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Baggage Delay and Travel Delay Coverage Explained

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Some travel insurance plans include coverage for delayed bags or delayed trips. These benefits often have time conditions and limits.

Baggage delay

• May help with essential purchases, such as clothes and toiletries, if your checked bags are delayed beyond a set number of hours
• Often requires a report to the airline and receipts for purchases

Travel delay

• May help with extra costs such as meals or lodging if a delay meets the policy's conditions
• Often requires the delay to be caused by a covered reason and to last longer than a minimum time

What to check

1. The minimum delay before benefits start
2. Daily and total limits
3. Which causes of delay are covered
4. What documents you need, such as airline letters and receipts

Tips

• Keep valuables and medicines in your carry-on
• Report a delayed or lost bag to the airline before you leave the airport
• Keep all receipts