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Delayed Luggage Cover

Get a delayed luggage allowance if all your luggage doesn’t arrive with you

What’s more disappointing than getting off a long flight and finding out your luggage didn’t make it? Not much! It isn’t a great start to your trip when you arrive at your holiday destination but your suitcases don’t.

Our Cover-More policies can assist you if all your luggage is lost or delayed for more than 24 hours. We can help cover the cost of essential emergency items of clothing and toiletries up to your policy benefit limit. This can help keep you from wandering around in the same set of clothes for days on end, waiting for your luggage to arrive.

Keep in mind that travel insurance can’t cover absolutely everything, so be sure to read our full Product Disclosure Statement to find out more.

Compare our policies and see how affordable protecting your travel plans and luggage can be. Get a free quote online for Cover-More travel insurance or call our team on 1300 72 88 22.

Learn more about the benefits of travel insurance here!

Report your delayed belongings

Luggage can be temporarily lost or held up from point A to B. We know this can put a real damper on your trip. If your luggage is delayed, you will need to report it to the responsible Transport Provider within 24 hours. Make sure you get a written report from the Transport Provider when you bring it to their attention, as they will need to confirm in writing the details of the delay.

Our delayed luggage allowance benefit

See our definitions below to find out what certain words in the PDS refer to.

“Home” means your usual place of residence in Australia.

“Journey” means the period commencing at the time You leave Home and ceasing at the time You return Home.

“Transport Provider” means a properly licensed coach operator, airline, shipping line or railway company.

If all Your luggage is delayed by a Transport Provider during the Journey for more than 24 hours, we provide cover for up to $375 on the Premium Plan or $200 on the Inbound Plan for essential emergency items of clothing and toiletries You purchase whilst on Your Journey. On the Premium Plan the limit will be doubled if You still have not received Your luggage after 72 hours.

The original receipts for the items and written confirmation of the length of delay from the Transport Provider must be produced in support of Your claim. If Your luggage is not ultimately returned to You any amount claimable under this section will be deducted from any entitlement under Section 4: Luggage and travel documents of this policy.

This section does not apply on the leg of the Journey that returns You Home.

The maximum benefit limit for this section is:

Premium Plan $750
Medical Only Plan No cover
Domestic Plan No cover
Domestic Cancellation Plan No cover
Inbound Plan $200

We will not pay for:

  1. Delay which is not reported to the responsible Transport Provider within 24 hours. All reports must be confirmed in writing by the Transport Provider at the time of making the report and a written report obtained.

Please also refer to our General Exclusions and Policy Conditions.

If your delayed luggage becomes permanently lost and isn’t returned to you, check out our luggage and travel documents benefit. This other section of the policy can also help!

Get a free quote online to see how affordable it can be to travel with these Cover-More benefits. If you would like to speak with our customer service team, please call 1300 72 88 22.

Find our travel insurance benefits here!


The information on this page relates to the Direct Cover-More travel insurance product effective 24 June 2019.