Travel Insurance Tips: Keeping Your Luggage Safe and Navigating the Claims Process

Greetings, globetrotters! When embarking on a journey, it’s crucial to protect your belongings and be prepared for any unexpected mishaps. At STI Surf Travel Insurance, we understand the importance of keeping your luggage safe and knowing how to navigate the claims process should the need arise. In this blog, we share valuable travel insurance tips to help you safeguard your belongings and make a smooth claim if necessary. Let’s dive in and ensure your travel experiences remain stress-free!

  1. Secure Your Luggage:
    1. Choose Reliable Bags: Invest in high-quality luggage that is durable and has secure locks. Hardshell suitcases or those with tamper-resistant features provide an added layer of protection.
    2. Use Luggage Tags: Attach a sturdy luggage tag with your contact information to help identify your bags in case they get misplaced.
    3. Keep Valuables with You: Carry essential items, such as passports, electronics, and medications, in your carry-on bag to minimize the risk of loss or theft.
  2. GPS Tags for Luggage:
    1. Track Your Baggage: Utilize GPS-enabled luggage tags or tracking devices that can be easily attached to your bags. These innovative solutions help you monitor the location of your luggage in real-time, providing peace of mind and helping you locate misplaced bags quickly.
    2. Stay Alert: Set up notifications on your mobile device to receive alerts when your luggage moves outside a designated area. This can help you identify potential theft or ensure your bags are loaded onto the correct flights.
  3. Document Your Belongings:
    1. Create an Inventory: Before your trip, make a detailed list of all the items you’re taking, including their estimated value. Take photos or videos of your belongings as proof of ownership.
    2. Keep Receipts: Retain receipts for high-value items, as they may be required when filing a claim. Store digital copies of receipts in a secure location, such as an email or cloud storage. Airlines have been requesting photo evidence sporting equipment is not damaged before flying.
  4. Digital Documentation:
    1. Virtual Backup: Create digital copies of important travel documents, such as passports, visas, and insurance policies. Store these files securely in cloud storage or email them to yourself. Having digital copies ensures you can access your documents from anywhere in case of loss or theft.
    2. Receipt Management: Utilize smartphone apps or online tools to capture and organize digital receipts for your valuable belongings. These digital records serve as evidence of ownership and are easily retrievable when filing a claim.
  5. Understand Your Policy Coverage:
    1. Review Policy Limits: Familiarize yourself with your travel insurance policy to understand the coverage limits for baggage loss, theft, or damage. Note any specific requirements for making a claim.
    2. Check Exclusions: Be aware of any exclusions or limitations on certain types of items, such as electronics, jewellery, or cash. Consider purchasing additional coverage or increased coverage for high-value belongings if needed.
  6. Report Loss or Theft Immediately:
    1. Notify Authorities: In the event of loss, theft, or damage to your luggage, report it to the local authorities or airline personnel immediately. Obtain a written report or incident number as evidence for your claim.
    2. Notify Your Insurance Provider: Contact your travel insurance provider as soon as possible to inform them of the situation and initiate the claims process. Follow their instructions regarding documentation and next steps.
  7. Document Your Claim:
    1. Complete Claim Forms: Fill out the necessary claim forms accurately and provide all requested documentation, such as receipts, photos, police reports, and any other evidence supporting your claim.
    2. Maintain Communication: Stay in touch with your insurance provider throughout the claims process. Keep copies of all correspondence for your records.
  8. Online Claims:
    1. Simplified Claims Process: Take advantage of travel insurance providers that offer online claims submission. This convenient feature allows you to submit your claims digitally, eliminating the need for cumbersome paperwork.
    2. Quick and Secure: Online claims enable you to upload supporting documents, such as receipts, photos, and police reports, directly through a secure online portal. This expedites the claims process and ensures your documentation is easily accessible when needed.


By following these essential travel insurance tips, you can protect your luggage and be well-prepared to navigate the claims process if needed. Remember to utilize GPS tags or tracking devices to monitor your bags’ whereabouts, Photo your sporting equipment before each trip, secure your belongings, document your valuables, understand your policy coverage, report incidents promptly, and thoroughly document your claim. At STI Surf Travel Insurance, we’re here to assist you throughout your journey and ensure your travel experiences remain worry-free.

Disclaimer: The information provided in this blog is for general guidance only. Please review your travel insurance policy and consult with your insurance provider to understand the specific coverage details and requirements related to luggage protection and claims.


Nib is Australia’s third largest travel insurer and global distributor of travel insurance through, nib Travel, providing financial protection and assurance to travellers wherever they are in the world and health and medical insurance to over 1.5 million Australian and New Zealand residents.

CoverMore are a global travel insurance provider and we’ve been protecting travellers since 1986. More than 15 million travellers worldwide trust us to protect their trips each year, including millions of Australian leisure and business travellers at home and overseas.

Global Rescue are there when you need it most and provide the finest integrated medical, security, travel risk and crisis management services available anywhere worldwide, delivered by our teams of critical care paramedics, physicians, nurses and military special operations veterans.

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