A guide to making sure your baggage stays insured

Posted Date: 30 May 2017
Property infographic AU

Lost, stolen or damaged luggage is a traveller’s nightmare. But when the unexpected happens, it’s nice to know that we’ve got your back.

In this video, we explain how you can ensure your luggage stays covered under your TravelCare policy, and if things do go wrong, what we will need to process a claim.

So, you’re taking us with you on holiday. We’d like to clear up a few things in plain English to help you understand some of the ways we can cover your stuff and to make sure that it stays covered.

Firstly, travel insurance is for covering unexpected events. We can’t cover your stuff if it isn’t secure or you leave it unattended.

  • If it’s valuable keep it on you, locked in your hotel safe.
  • If your stuff is lost, stolen, or damaged, you’ll need to report it to the police, security or appropriate authorities and get a written report.
  • If your stuff was in custody of a service provider at the time of loss, you’ll need to report it to them.
  • If you are going to make a claim, we’ll need to see receipts or some other proof of ownership and value, like a store reprint of your receipt.

Your personal items are covered at their original purchase price less depreciation. This is based on the age of the item. If you want to cover your higher value items, you’ll need to specify them and provide proof of ownership and their current value.

Travel insurance is for the unexpected, so remember to look after your stuff. So we can look after the rest.

For full terms and conditions check out our policy here.

Related articles

Losing your luggage

Losing your luggage overseas

Losing your luggage is an awful feeling! Here’s some top tips to help prevent you from losing your luggage when travelling. Read more

Personal property videos

How is your luggage covered?

We’ve put together some short videos to explain how we can cover your belongings, so you can stay stress-free on holiday. Read more

Unattended luggage

‘Unattended luggage’ explained

The term ‘unattended luggage’ can cause some confusion for travellers. Let’s dive into what it really means. Read more


TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. SCTI is a member of the Australian Financial Complaints Authority (AFCA). AFCA has replaced the Financial Ombudsman Service (FOS), the Credit and Investments Ombudsman (CIO) and Superannuation Complaints Tribunal (SCT) schemes, so that consumers have access to a single External Dispute Resolution (EDR) scheme. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2020 Southern Cross Benefits Limited