Personal Item Travel Insurance

Protect your personal items while you’re on holiday. Compare with Savvy and find the right travel insurance today. 

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, updated on September 4th, 2023       

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Losing your luggage or having your laptop damaged while you’re on holiday can be a frustrating and upsetting experience. Finding the right travel insurance that covers your personal items can make the world of difference if something goes missing. If you need help making a decision, Savvy can help you compare your options.

When you compare policies with us, you get to weigh up the different levels of coverage, claim limits and even sub-limits offered by various providers. Find the best bang for your buck and start comparing with Savvy today.

How does personal item travel insurance work?

Covering your luggage and other personal items is one of the key benefits of travel insurance. Many comprehensive policies will include coverage if something happens to your belongings, whether you lose your camera, have your baggage damaged or need cover for your mobile phone. This saves you from covering the cost of replacing or repairing your treasured items.

Travel insurance providers usually offer personal item cover automatically as part of their comprehensive policies; however, you can purchase extra insurance if you’re travelling with some valuable worldly goods. This can be handy if you need protection for those expensive tech gadgets you can’t do without on your holiday. You won’t get automatic coverage if you take out a basic policy, however, but you can often purchase cover as an optional extra.

Depending on who you choose to purchase your travel insurance through and the level of coverage you take out, your personal items could be covered for up to $15, 000. Your provider reimburses the original price you paid for the item you lost, minus depreciation and your excess. All providers place claim limits and single article limits on their policies, which vary across the market.

Sub-limits apply to different items such as computers, mobile phones and video and digital cameras. For example, if you’re travelling to Argentina and lose your laptop, most policies will allow you to claim up to $3, 000 to replace it, rather than being able to claim the full $15, 000. Similarly, if you lost a tablet device or a mobile phone, you’d be able to claim between $1, 000 and $1, 500 in total.

What is and isn’t covered by personal item travel insurance?

Knowing what you're covered for and what you aren't is vital when it comes to your personal items, such as your luggage, which can be tricky. When shopping around Savvy to find the perfect travel insurance policy for your next holiday, it's good to have a closer look at the conditions around cover for your bags and personal belongings.

Usually, comprehensive travel insurance will cover your luggage in the following incidents:

  1. General loss, theft or damage: your travel insurance covers the cost of your possessions if they go missing, are stolen or sustain damage while you’re on holiday. Certain insurers will cover you if your personal belongings are stolen from a locked car, so long as they’re concealed in the boot or glove compartment and the theft occurred during the day. You’ll often have to prove forced entry into the vehicle.
  2. Delays: if your flight or another mode of transport is held up, and your bags are delayed with it for more than 24 hours, most providers will cover you for the bare essentials such as clothes, toiletries and food while you wait for them to arrive.
  3. Passports and credit cards: it can be distressing if your passport or credit cards go missing while you’re on holiday. Thankfully, your travel insurance provider can cover the cost of replacing your invaluable documents so you can resume relaxing on your much-needed break.
  4. Medication and prostheses: some travel insurance providers allow you to claim back the cost of lost or stolen medication and prostheses while travelling overseas. For example, if you’re travelling to South Africa and lose your dentures at the airport, you can claim through your provider to get them replaced.

While there are many benefits to travel insurance, there are some drawbacks and incidents where your personal items won’t be covered. It’s essential to read the Product Disclosure Statements of different providers to ensure you know these like the back of your hand, as this will make it easier to submit claims. Some of the circumstances where you won’t be covered include:

  1. Forgetting items: if you misplace your items or leave them on your plane or in your hotel room after your check out, your travel insurer won’t cover their replacement.
  2. Leaving items unattended: keep your eyes on your personal items at all times. If you take your eyes off your belongings and they’re nabbed, your insurer won’t pay for their replacement.
  3. Checked-in luggage: many travel insurance providers won’t cover the cost of replacing valuable items such as mobile phones or jewellery which are packed in your check-in luggage and held in the cargo on your transport.
  4. Mechanical failure: if your mobile phone suffers some mechanical faults or goes on the blink while travelling, it’s up to you to fix it.
  5. Screen or water damage: has your tablet device taken a swim in the hotel pool? Unfortunately, most insurers won't pay for water damage or cracked screens.
  6. Sporting equipment in use: fancy a hit of golf or a sport of surfing while you’re on your break? If you break your clubs or board while taking part in your chosen sport, your insurer is unlikely to pay for their replacement.
  7. Already being reimbursed: if your plane, train or bus operator has already agreed to give you a refund for your lost devices, you won’t be able to double-dip with your insurer.

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Common questions about personal item travel insurance

How soon do I need to make a claim if something goes wrong?

Certain travel insurance providers require you to file a claim 24 hours after the incident. It’s best to make a claim as soon as possible, so the details of the incident are fresh in your memory.

How else do I compare travel insurance?

It’s not always about what you’re taking with you when comparing travel insurance. Make sure you compare the following:

  • Whether you need basic or comprehensive insurance
  • The prices of premiums
  • Value of excesses
  • Inclusions and exclusions (including pre-existing medical conditions)
  • Any extra coverage if you’re planning to participate in high-risk activities
Are drones covered under personal item travel insurance?

Yes – if you're using a drone on your holidays to capture a bird's eye view of your destination, your travel insurance can cover any costs if lost, stolen or damaged. However, you will likely have to pay a higher premium to cover these forms of expensive technology, as the cost of a drone can reach $10, 000 in most cases.

Am I covered if my bags are stolen from a storage facility?

Yes – you’re covered if a thief swipes your bags while they are under lock and key in a secure storage facility. This includes if your baggage is stolen from a locker. Most insurers will require proof of forced entry to back up your claim.

What happens if I’m travelling with a personal item of high value?

Whether you’re taking a trip with your brand-new laptop or some treasured jewellery, insurers allow you to take out optional cover to protect single articles. Claim limits for these unspecified items can be anywhere between $750 and $1, 500, while you may be able to claim up to $3, 000 if you lose your laptop or similar electronic device. If what you’re taking is worth more than the sub-limits, you can sometimes pay a bit extra to increase these. However, there are still caps between $5, 000 and $10, 000 on what you can claim.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.