The Baggage and Personal Items Loss benefit typically covers items throughout an entire trip, not just during a flight. Some policies, however, only covers luggage while it is checked on a common carrier.
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Comprehensive travel insurance typically covers canceled flights that delay your trip for at least 3–12 hours. If your flight is delayed more than 12 hours, you may even qualify for trip cancellation coverage, depending on your plan.
Under DOT regulations (for domestic travel) and international treaties (for international travel), airlines are required to compensate passengers if their bags are damaged, delayed, or lost.
An uninsurable risk is a risk that insurance companies cannot insure (or are reluctant to insure) no matter how much you pay. Common uninsurable risks include: reputational risk, regulatory risk, trade secret risk, political risk, and pandemic risk.
Typically, airlines will pass the items over to the lost and found department at the arrival airport. The item will be kept for a 90-day holding period, after which it will be donated to charity or a place for sale – in some cases, the item will be destroyed if unclaimed after the holding period.