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  1. World Nomads
  2. Usa
  3. Travel Insurance
  4. Whats Covered
  5. Delayed Baggage

Travel Insurance for Delayed Baggage

For when you show up but your bags don't.

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We’ve been stuck in some remote locations with only the clothes on our back, so we understand the need to freshen up when your bags don't arrive. If you’ve arrived at the snow without warm clothes, or the tropics without a fresh pair of underwear, we can help you navigate the worst of traveler gripes - delayed baggage. 

What’s covered if your bags are delayed?

If your checked-in bags are delayed by 12 hours or more from the scheduled arrival time, your policy can cover essential items you buy so you're not left wearing the same thing, until your bags are found and returned.

Items you can claim if your bags are delayed:

  • T-shirt(s)
  • Underwear
  • Socks
  • Toiletries
  • Pajamas
  • Jackets or other weather-appropriate clothing
  • Rental of a tux or dress if you're traveling for a big event (like a wedding)
  • Other reasonable & necessary essential items

Items that aren't covered if your bags are delayed: 

  • Eyeglasses, contact lenses, or prescription medications;
  • Credit cards, stamps, securities and documents;
  • Professional or occupational equipment or property, whether or not electronic business equipment;
  • Sporting equipment if loss or damage results from the use of them.
  • Other non-essential items you can live without for a few days


There are limits on the amount you can spend, and if your bags are returned within the 12-hour waiting period, then coverage will not apply. So before you go shopping for a new wardrobe, check your policy carefully on the limits, conditions and exclusions which may apply before you buy. 

If you need to make a claim, you'll also need to fill in all of the documentation required by the carrier and submit this with your receipts. 

You can find out more about coverage for personal belongings here. 

Baggage Delay in a Delhi Winter.

I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
Claim paid: USD $51.74
S.N. U.S Nomad in India.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Explorer Plan: $100,000
  • Standard Plan: $100,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation

Emergency medical transportation: we’ll get you to hospital or home quickly.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
Emergency Evacuation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada)

Contact the team
Wherever you are, we’re here 24/7 to help you in any emergency.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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FAQ

Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.

  • What supporting documents do you need?
    You’ll need documentation from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts, and a copy of your itinerary.