What is baggage delay insurance?

Baggage Delay provides reimbursement for the purchase of clothing, toiletries, and other essential items if a traveler's luggage is delayed for a specified period of time. After a delay of 12 or 24 hours, the Baggage Delay benefit can cover the purchase of clothes and other essentials.



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Delayed baggage means your checked luggage has not arrived at your destination on time. It is generally considered to be lost after 21 days for most international airlines and 5-14 days for U.S. carriers.

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How To Claim Delayed Baggage Compensation - A Guide
  1. Contact a Baggage Claim Desk. ...
  2. File your delayed baggage claim immediately. ...
  3. Request an overnight kit. ...
  4. Ask for an allowance for reasonable expenses. ...
  5. Check the status, wait and be patient. ...
  6. Claim your rights formally.


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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.

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Airlines are legally required to compensate you for lost items and any baggage fees you paid.

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Delta will provide a rebate for any checked bag fees you paid if your bag is delayed more than 12 hours. Any reimbursements will be deducted from your final claim settlement if your bag is deemed lost.

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If we can't find your bag after five days, we'll reimburse you for the value of your bag, its contents, and any fees you paid to check the bag. Receipts may be required and certain items might not be eligible for reimbursement. Depending on your trip, maximum claim limits may also apply.

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How Often Do Airlines Lose Luggage? Luggage Hero recently found that more than 680,000 bags were either lost or mishandled in the first quarter of 2022 alone. This means that roughly seven out of every one thousand bags will experience issues during transportation.

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American Airlines is the number one worst airline for losing or damaging your luggage, with 5.34 incidents per 1,000 bags. Although it's a low percentage compared to the total number of bags checked, American Airlines still takes the dubious distinction of being the airline most likely to lose your luggage.

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During the first three months of 2023, over 721,000 bags checked on domestic flights were mishandled out of 113 million checked bags in total—an average of 0.64 bags per 100 checked bags, per the U.S. Department of Transportation. That's up from 2019, when 0.59 bags were mishandled per 100 checked bags.

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After such time, airlines must provide: a reasonable amount of food and drink (often given in the form of vouchers to be used at the airport); accommodation, if you're rerouted the next day; and transport to and from the accommodation (or your home, if you're able to return there).

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