Standing at an empty luggage belt after everyone else has taken their bag, and left can be distressing and annoying. The experience of having to wait hours or even days for your checked bags can turn your trip into a nightmare. Fortunately, a wide range of credit cards provide baggage delay cover. So if you have the misfortune to suffer a baggage delay, you don’t have to spend a few days in the same clothes with no essentials. The insurance cover will reimburse you for essentials you needed to purchase while you waited for your bags. So which credit cards provide the best Baggage delay cover.
What Exactly is Baggage Delay
Answering what baggage delay is can be tricky. Regarding coverage, there is a clear difference between baggage delay, where your checked bag does not make it on your flight and arrives later. Lost or destroyed baggage is when you never see your bag again, or it is comprehensively destroyed, In this case, there is a separate type of coverage than the standard baggage delay cover.
Each card issuer has separate criteria for what counts as baggage delay regarding cover liability. Factors such as how long has your bag been delayed for, which leg of the journey are you on (A delayed bag on the return journey may not be covered, since you can reasonably go home) are all important questions. You will have to check your terms and conditions to find out exactly what your cover is.
As a general rule, most issuers do not consider your bag as delayed if it is returned to you within a 6-hour window of your flight arrival.
Who is Covered
You will also have to check your terms and conditions to see if your baggage delay coverage extends to anyone else you are traveling with. Most premium cards cover the main cardholders and any immediate family members (spouse, children, and parents). Again to find out exactly you will have to check the individual card terms and conditions. Business credit cards tend to offer an additional level of cover, not only are immediate family members covered, but employees are covered when flying on business.
Cards Offering baggage Delay Insurance
- Chase Sapphire Reserve Card– covers you if your baggage is delayed by more than 6 hours. You will receive up to $100 per day for 5 days, and coverage is for the main cardholder and all immediate family
- Chase Sapphire Preferred Card-covers you if your baggage is delayed by more than 6 hours. You will receive up to $100 per day for 5 days, and coverage is for the main cardholder and all immediate family
- Ink Business Preferred Credit Card-covers you if your baggage is delayed by more than 6 hours. You will receive up to $100 per day for 5 days, and coverage is for the main cardholder and all immediate family and employees
- The World Of Hyatt Credit Card-covers you if your baggage is delayed by more than 6 hours. You will receive up to $100 per day for 5 days, and coverage is for the main cardholder and all immediate family
- Citi Prestige Card- gives you $500 of cover after a minimum delay of 6 hours. Cover is extended to the main cardholder, immediate family members or any companions traveling on the same ticket.
What is Not Covered
Not everything is covered by Baggage delay insurance even if your bag is lost for a few days. The objective of baggage delay is to let you remain clothed and washed while you wait for your bags. Generally, delay coverage will reimburse you for:
- Toiletries and other personal hygiene products
- Clothing (as is reasonable and appropriate) you can not just by a Tuxedo because you were covered, you have to justify why you needed it.
- Charging cables and charges for your phone’s laptop etc.
Almost everything else is not covered by Baggage delay insurance; if you have to make additional purchases to complete your trip, those purchases will have to be reimbursed via your normal travel insurance.
Other Factors To Consider
When it comes to Baggage delay coverage, there are other things to consider before making a reservation, or after the baggage delay incident. Most credit cards require that you purchased your airfare with eh credit cards for the insurance cover to take effect. If you purchase your ticket with one card, that does not have baggage delay cover; you will generally not be covered even if you have another card that does provide protection.
You also need to double check your claim window, since various issuers allow you different time to make a claim. While some issuers are generous and allow you up to 90 days to make a claim, others are less generous and only allow up to 20 days, So check your cover before you travel.
Baggage Delay cover can be invaluable when disaster strikes and your checked bags take an unintended detour. While a whole host of credit cards provide some level of cover, it is always worth your while to take a few minutes and get thoroughly familiar with the finer details of the coverage and how to take advantage of it.