Many insurance claims are for lost luggage

West Australian

16-07-2025

Nearly one in five travel insurance claims is for lost or damaged luggage, new data from nib Travel shows.
It might have been stolen, damaged, misplaced by airlines, or simply left behind.
'People often assume travel insurance is just for major medical emergencies, but lost or missing baggage can cause enormous disruption and cost,' says Matt Neat, nib Travel's group executive, strategy and development.
'From missing medication to replacing personal electronic devices, the consequences can be stressful, expensive and really interrupt your trip.'
+ The average luggage claim last year was around $800.
+ That includes items such as smartphones, prescription medications and laptops.
+ Of all nib Travel luggage claims in 2024, 59 per cent were linked to items that were lost or stolen.
+ 25 per cent were for damaged items.
+ 16 per cent were due to delayed baggage.
'While only a small number of travellers typically need to make a claim, the burden of missing medication, replacing expensive items or losing irreplaceable goods can be overwhelming. This is why securing adequate travel insurance, preferably at the time you book your travel, is important,' says Mr Neat.
REAL LIFE CASES
+ Travelling from Denmark to Singapore, one traveller lost an expensive camera and accessories, with irreplaceable wedding photos. Just over $10,300 was paid to cover the missing camera, lenses and accessories — but the pictures were lost forever, of course.
+ A couple visiting Chile pulled over to fix a flat tyre and a stranger offered to help. But while they were distracted, their luggage was stolen from the car. A claim of $8,705 was paid.
WHERE IT HAPPENS MOST
The nib Travel team usually sees a spike in luggage claims in Europe during the busy summer season, from June to September.
Claims in the United States and Asia are steady all year.
Luggage was lost or stolen in more than 70 countries in 2024.
AVOID THE ISSUE
The nib Travel team advises:
+ Pack essential items such as medication and high-value items in carry-on luggage.
+ Keep a tracking device like an AirTag in your luggage so you can track its location.
+ Photograph packed items before travelling to assist with faster claim processing.
+ Review policy limits and exclusions, especially when travelling with specialist equipment.
nibtravelinsurance.com.au