Travel Insurance for Mobile Phones

Protect your mobile phone during your holiday. Compare with Savvy and find the best travel insurance policy for your tech.

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, updated on September 4th, 2023       

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It’s hard to imagine living without your mobile phone, especially when you’re on holiday. Whether you’re using it to call your loved ones back home or capturing special moments, having the right protection for your phone can give you peace of mind. If you're finding it tricky to choose between travel insurance providers, Savvy can help.

By doing a quick comparison with us, you can weigh up the different providers to see which provides the best coverage for your gadgets, including your smartphone. Start the process with Savvy today and get a quote.

Can I get travel insurance which covers my mobile phone?

Yes – many comprehensive travel insurance policies cover your mobile phone if it is lost, stolen or damaged while you’re on your holiday. Providers allow you to take out extra coverage if you want more protection for your personal items, or you can add your mobile phone to your existing coverage.

Insurance companies have limits on how much you can claim for a lost mobile phone which depends on both the provider you choose and the level of cover you purchase. While general personal effects cover can reach up to $15, 000, you’ll only be able to claim a limited amount for your phone. For example, some basic policies allow you to claim up to $1, 000 if you part ways with your phone while comprehensive policies allow you to claim up to $1, 500.

In most cases, your insurer will pay for the repair or replacement of your mobile phone up to a pre-agreed limit. As such, whether you’ve got a brand-new iPhone or an old reliable flip model, you have the peace of mind your means of communication is in safe hands.

However, travel insurance providers will require supporting documents to process your claim, which can include paperwork such as police reports, proof of purchase or a record of reporting your lost device with your hotel or airline. You may also need to get a quote on the cost of repairing your phone if it suffers some damage due to a covered incident.

What isn’t included under mobile phone cover on travel insurance?

Mobile phones can be invaluable gadgets, no matter the holiday you’re planning. Whether you’re taking a trip to France and wanting to grab some snaps of the Eiffel Tower or spending Christmas in New York and wanting to Facetime your family from Rockefeller Centre, it's important to understand that travel insurance can only cover so much. As such, providers have some exclusions around cover for mobiles. Some of these typically include:

  • Leaving your device unattended: if your mobile phone is stolen because you take your eyes off it, even for a few seconds, it won’t be covered by travel insurance companies. This is including if you leave your phone or other personal items inside your vehicle or on your motorcycle.
  • Electronics failure: if your phone simply stops working or goes on the blink, you’ll be required to cover the cost of the repairs yourself.
  • Forgetting your device: ever left your mobile phone behind in a restaurant or had it slip out of your pocket on a cab ride? Most insurance companies won’t cover you in the event you lose your mobile because you leave it behind.
  • Cracked screens: you’ll need to pay for the repair of your screen if your phone is damaged due to you dropping it on your holiday. It’s a good idea to make sure you have a case or cover on your device to ensure you’re not forking out for unexpected expenses.
  • No IMEI number: every mobile phone has a unique International Mobile Equipment Identity number, which you can find in your device’s settings or by looking at the back of your phone. If you don't have this 15-digit number, you won’t be able to make a claim.
  • Packed in your checked-in luggage: if you pack your phone inside your checked-in bags and it goes missing, insurers won’t cover the cost of replacing your device. Make sure your mobile phone is in your carry-on luggage or by your side at all times.
  • Not reported: smartphones that aren’t reported missing to local police, your hotel or airline won’t be able to be covered by your travel insurer. Certain providers require you to make a claim as soon as 24 hours after you suffer the loss.

How should I compare travel insurance mobile phone cover?

If you’re shopping around for the best travel insurance coverage for your mobile phone, finding the best deal comes down to looking at some of the variables that make up each policy. Make sure you consider the following when comparing with Savvy:

Type of coverage

While the majority of providers will only provide you coverage for your mobile phone if you take out top-level cover, some will give you limited coverage with basic policies (which you may need to add as an optional extra). Weigh up which of these best serves your travel plans, as there is a notable difference in the cost between the types of policies.

Limits and sub-limits

The claim limits and sub-limits for individual items offered by travel insurance companies vary depending on the provider you choose to purchase your policy through. For example, some providers allow you to claim up $1, 500 for a lost phone, while others only allow you to claim $750. If you’re worried about being separated by your phone on your holiday, compare with Savvy and find limits sufficient for your trip.

Extra coverage

If you’re travelling with an expensive iPhone or another type of smartphone, you can purchase optional add-on coverage to protect it. Compare the costs between providers and find extra cover that won’t break the bank.


If you do need to make claim on your travel insurance, you’ll need to pay an excess. If you’re asking yourself what an excess is, it’s an out-of-pocket cost that you pay your insurer, who then pays the remainder up to a certain limit. These can vary between providers, ranging from $100 to $250, so it’s best to shop around and find an excess that’s suitable for you.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked mobile phone travel insurance questions

Can I claim unauthorised usage on my mobile on my travel insurance?

Yes – most travel insurance which covers mobile phones will allow you to claim back up to $600 if you’re billed for unauthorised calls while you’re on holiday. For example, if you travelled to London and received an unauthorised call, your phone provider will charge you for taking it. However, travel insurance won’t cover you if you rack up a huge phone bill through the use of data or outgoing calls.

Do I need travel insurance for my phone if it’s already insured?

Yes – many home and contents insurance policies won’t cover you for belongings you take with you on holidays. Certain providers can offer you coverage for your mobile phone if you’re heading overseas for up to a month.

How long does it take to have a travel insurance claim approved?

Most travel insurance companies will quote you ten business days as the general turnaround time for a claim. It’s important to respond to any requests for additional information promptly, as this can reduce delays in the process.

Can I insure multiple phones under the same travel insurance policy?

Yes – however, you’ll likely have to take out extra coverage in the event you want coverage for another mobile phone.

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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.