Lost or stolen items cover

We want you to come home with more than you left with - not less. Losing anything on holiday is very upsetting, getting your luggage stolen is even worse. But if this does happen to you don’t worry - we have policies that offer cover for up to $25,000 for an individual policy and $50,000 for a family policy.

Delayed baggage

If your bags don’t end up where you are and it takes longer than 12 hours for your transport provider to return them, don't panic. Our policy provides cover for you to purchase essential items of clothing and personal effects, to the value of $1,000 per person, per journey, to a maximum of $5,000 per journey. 

You’ll need to provide us with a delayed baggage report from the carrier and original receipts for expenses incurred. So when you purchase the essentials make sure you keep the receipts.

Essential medication

We will cover the cost and assist you to arrange the replacement of essential medication if it's stolen, damaged or delayed. It must be prescribed by a medical practitioner and be essential for your health for us to cover the cost. It’s a good idea to leave a list of all medications and from where they were dispensed with someone at home in case you need to replace these in a hurry. It’s also advisable to keep some of these medications in your hand luggage or with you, in case you lose your bag.

Lost or stolen items

If you lose something or it gets stolen and is unrecoverable, we want to help you get those items replaced. For no additional cost, unspecified items, such as clothes and other essentials are covered in our policy for up to $1,500 per item. Jewellery and watches are covered to a maximum combined total value of up to $2,500 per journey. Laptops, personal computers, tablets and cameras are covered up to $3,000 per item to a maximum combined total of $10,000 per journey.

Specified items

If you intend on travelling with jewellery, watches or electronics worth more than the dollar values above (and you want to have them covered on your policy), you’ll need to specify the items and pay an additional premium when you purchase your policy. We’ll confirm they are covered under your policy on your policy certificate, so you can relax and enjoy your travels.

What is an unexpected event?

We consider an unexpected event to be a cause or event that happens during your period of insurance that was sudden, unforeseeable or unintended, was outside of your control, and could not reasonably have been anticipated or avoided.

Who do you call?

The most important thing to do is not worry - we’re here to help you when you need us.

When calling from overseas, our worldwide emergency assistance team is available 24 hours a day, 7 days a week on +64 9 359 1600.

If you’re calling from New Zealand, you can reach us Monday – Friday 8.30am to 5pm NZST/NZDT on 0800 800 571.

For terms and conditions, excess and sub-limits, please refer to the Product Disclosure Statement (PDS), including Policy Wording.