Baggage Loss & Delay Insurance

Baggage Loss & Delay Insurance

Allianz Offers Comprehensive Cover for Lost, Stolen, Delayed, or Damaged Luggage as part of our travel insurance policies for South African Travelers.

Every traveler’s worst fear at baggage reclaim: a missing suitcase, damaged belongings, or a bag that’s taken an unplanned detour. With Allianz Travel, you don’t have to panic—our Airport Baggage Loss Insurance ensures you're covered financially and supported every step of the way.

Terms and conditions apply.

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Benefits of Baggage Insurance

Luggage Insurance from Allianz Travel helps you recover costs when your baggage is lost, damaged, stolen, or delayed during your trip. You’ll receive financial compensation based on the cost to repair or replace your luggage, minus any applicable depreciation, as outlined in your policy.

Cover is included in most Allianz Travel plans, but terms and exclusions apply—so you’re never caught off guard.

What’s Covered?

Allianz Travel provides reimbursement for:

Lost, Stolen, or Damaged Luggage: The lesser of the cost to repair the item or replace it with a similar item, minus 10% depreciation per year (max 50%).

Delayed Baggage: Reimbursement for essential purchases (e.g. toiletries, clothing) if your baggage is delayed for a minimum time as specified in your policy.

• Receipts required for full reimbursement.

• No Receipts Limit applies if receipts are unavailable.

• Applicable only for outbound travel.

High-Value Item Theft: Covered if you provide a police report and proof of ownership.

Items with No Proof of Purchase: 50% of the replacement cost is covered.

Mobile Phones: Covered if reported to the network provider and blocked.

What Is Not Covered?

To help manage expectations, here’s what baggage loss insurance does not cover:

Animals or their remains
Vehicles, trailers, and related equipment
Contact lenses, glasses, hearing aids
Passports, deeds, documents, or currency
Medical equipment, medication, perishables
Fragile items, art, antiques, rugs, or carpets
Weapons, firearms, ammunition
Items for business use or that you do not personally own
High-value items stolen from any car
Baggage that is:

Unattended in unlocked vehicles
Visible in locked cars
Shipped outside of travel carrier custody

Allianz Travel Insurance offers protection that helps you recover quickly from luggage mishaps. Cover is automatically included in most policies—check your Coverage Summary or speak to our team for guidance.

How to Make a Claim for Baggage Loss or Delays

To submit a claim, you must:

Submit a written report to local authorities, your carrier, hotel, or tour operator within 24 hours
Provide original receipts or other proof of purchase
Report theft of high-value items to the police and retain a case reference
Report stolen mobile phones to your service provider

Don’t let baggage woes ruin your travel plans. Allianz Travel’s comprehensive insurance gives you peace of mind for every trip, whether for business or holiday.

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Travel abroad with global travel insurance from Allianz Travel

	Travel Standard Global Travel Insurance From R 258 Get A Quote	Travel Premium Global Travel insurance From R 350 Get A quote

Benefits

Emergency Medical Expenses Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.	R 4,500,000	R 9,000,000

Emergency Medical Evacuation / Repatriation If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Repatriation of Remains If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Return of Dependents If you die or are told by the treating doctor you will be hospitalized for more than 24 hours during your trip, we will arrange and pay to transport your traveling companions who are under the age of 18	Included Above	Included Above

Emergency Family Travel / Visit of close relative On medical advice we shall pay for a close relative to stay with you, or travel to you from your home country in case you are hospitalized.	Included Above	Included Above

Dental In case of an emergency we shall cover you for dental treatment to relieve sudden pain.	R 1,500	R 5,000

Search and Rescue In case you are reported missing or need to be rescued from a physical emergency while on your trip.	R 15,000	R 15,000

Trip Cancellation Provides cover if you need to cancel before it begins because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	R 55,000	R 90,000

Trip Curtailment Provides cover if you need to cut your journey short because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	R 55,000	R 90,000

Delayed Departure Cover if your departure is delayed by more than 6 hours. Benefits apply after the first 12 hours delay and additional benefits apply after each extra delay of 12 hours. Your policy will specify the maximum payable. The circumstances covered are listed in the Policy Document. Alternatively, you may receive up to the amount specified in your policy, if you chose to abandon your journey or cancel your holiday after a 24 hour delay.	R 3,000	R 5,000

Baggage Loss Cover for purchasing essential items if your personal possessions are delayed for more than 12 hours on your outward journey.	R 25,000	R 30,000

Valuable (including laptops) Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, laptop, television, fax and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.	R 7,000	R 9,000

Baggage Delay Provides cover if your personal possessions (this does not include valuables) are temporarily lost or stolen on your outward journey for more than 6 hours from when you arrived at your destination.	R 3,000	R 5,000

Personal Liability Cover for costs that you are legally liable for due to any of the following that you cause during your journey Bodily injury of another person: loss or damage of other peoples property.	R 4,500,000	R 9,000,000

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Still Have Questions ? Get in touch with us !

For travel claims, non-emergency, insurance sales & general inquiries contact:

Customer Service/Complaints

From 8am to 8pm (GST) Monday to Friday:

Telephone (From outside SA): +971 4 270 8705

Telephone (from SA): +27 11 214 7970

Email: [email protected]

Whatsapp: +971 56 216 4563

Open or follow up on a claim

From 8am to 8pm (GST) Monday to Friday:

Online Claim (24/7): File a claim

Email: [email protected]

WhatsApp: +971 56 216 4563

24h Emergency Medical Assistance

For 24-hour Medical Emergency:

Telephone: +971 4 270 8705

Email: [email protected]

Whatsapp: +971 56 216 4563

Who We Are

The Travel Insurance Experts

When you are insured with AGCS SA, you have access to a global network of travel experts. Our travel insurance underwriters have a vast amount of experience and local knowledge about the destinations, cultures and risks of many different countries. This means that we can design a comprehensive cover for your specific needs while understanding the unique challenges faced by people traveling to more remote or exotic locations around the world.

Frequently Asked Questions

1.What does Allianz Baggage Loss Insurance cover?

What does Allianz Baggage Loss Insurance cover?

It covers the repair or replacement of baggage that is lost, stolen, or damaged, as well as essential expenses incurred during baggage delays.

2. How is the reimbursement calculated?

How is the reimbursement calculated?

The insurer will pay the lower of the repair cost or replacement cost, minus 10% per year since purchase (up to 50% reduction), up to your policy’s benefit limit.

3. Is baggage delay covered for return travel?

Is baggage delay covered for return travel?

No, baggage delay coverage only applies to outbound travel (the start of your trip).

4. What items are not covered under baggage insurance?

Am I covered if my flight is delayed due to airline operational issues?

Exclusions include contact lenses, cash, firearms, documents, perishables, and business property. See the full list in the policy wording.

5. What if I don’t have a receipt for the item I’m claiming?

What if I don’t have a receipt for the item I’m claiming?

You can still claim, but Allianz will only cover 50% of the cost to replace the item.

6. Can I claim for stolen electronics?

Can I claim for stolen electronics?

Yes, if you file a police report and provide proof of ownership. For phones, it must also be reported to your network provider.

Baggage Loss & Delay Insurance