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Credit cards with baggage delay insurance

You could be compensated up to $500 for essential items.

If your luggage is delayed, you might be stuck without essential items like clothing and toiletries. However, if you have baggage delay insurance, you could be reimbursed for purchases you make while waiting for your luggage to arrive.

What is baggage delay insurance?

Baggage delay insurance reimburses you for essential items you buy if a travel carrier temporarily loses or misdirects your baggage.

For example, let’s say you check your luggage before your flight. When you get to your destination, the airline informs you your luggage is missing. While the airline locates your baggage, you might need to buy toiletries and other essentials. With baggage delay insurance, you could be compensated for these purchases.

What expenses does baggage delay insurance cover?

Here are common items baggage delay insurance might compensate you for. Providers have different rules on expense eligibility. Check your card’s benefits guide to confirm.

What may be coveredWhat may not be covered
  • Clothing
  • Toiletries
  • Charging cables
  • Tickets, checks, passports, etc.
  • Jewelry and watches
  • Cameras
  • Contact lenses or eyeglasses

Providers typically have relatively narrow definitions of qualifying purchases because baggage delay insurance is simply meant to tide you over until the carrier gets you your luggage. Some reasonable-sounding items may not be covered, such as contact lenses.

How baggage delay insurance works

  • It’s valid for common-carrier travel.
    “Common carrier” usually means public transportation that requires a paid ticket, like airplanes, trains and cruise ships.
  • Use your card to pay for your fare.
    This is a requirement to get the insurance. With many providers, you’ll qualify if you pay for at least a portion of your fare with your card. Some providers require you to pay for your entire fare with your card.
  • Your bag must be delayed for a certain amount of time.
    Typically, the insurance kicks in only after your bag has been delayed for at least six hours.
  • There’s a maximum amount of coverage.
    Providers often cap baggage delay insurance at $500 per covered traveler. Your provider may set a daily maximum.

How to get baggage delay insurance

You can typically find baggage delay insurance with travel-insurance providers. However, you can get it for free with select travel credit cards.

  • Visa baggage delay insurance vs. Mastercard baggage delay insurance.
    Visa cards don’t offer baggage delay insurance standard. However, Visa Infinite cards may offer Lost Luggage Reimbursement, which compensates you for baggage that’s lost due to theft or misdirection. And card providers may offer a baggage delay benefit on a case-by-case benefit.Meanwhile, baggage delay coverage comes standard with many Mastercard products. The coverage maximum is $100 per day for up to three days.

Is there American Express baggage delay insurance? Does Discover offer it?

American Express doesn’t offer this coverage. It offers something close but not the same: its Baggage Insurance Plan. This compensates you for damaged, lost or stolen bags on common-carrier travel.

Compared to the other major US credit card providers, Discover offers far fewer travel benefits. It doesn’t offer baggage delay insurance.

Which cards offer baggage delay reimbursement?

Here’s a list of top travel cards that come with baggage delay coverage.

CardMinimum delayMaximum coverageAnnual fee
Luxury Card Mastercard® Titanium Card™4 hours$300 ($100 per day for up to 3 days)$195
Luxury Card Mastercard® Gold Card™4 hours$300 ($100 per day for up to 3 days)$995
Luxury Card Mastercard® Black Card™4 hours$300 ($100 per day for up to 3 days)$495
AAdvantage® Aviator® Red World Elite Mastercard®12 hours$300 ($100 per day for up to 3 days)$95
British Airways Visa Signature® Card6 hours$300 ($100 per day for up to 3 days)$95
Citi Prestige® Credit Card6 hours$500$495
Citi® / AAdvantage® Executive World Elite™ Mastercard®6 hours$100$450
Ink Business Preferred® Credit Card6 hours$500 ($100 per day for up to 5 days)$95
Chase Sapphire Reserve®6 hours$500 ($100 per day for up to 5 days)$550
Chase Sapphire Preferred® Card6 hours$500 ($100 per day for up to 5 days)$95
Disney® Visa® Card6 hours$300 ($100 per day for up to 3 days)$0
Disney® Premier Visa® Card6 hours$300 ($100 per day for up to 3 days)$49
IHG® Rewards Club Premier Credit Card6 hours$300 ($100 per day for up to 3 days)$89 starting the second year
Marriott Bonvoy Boundless™ Credit Card6 hours$500 ($100 per day for up to 5 days)$95
Southwest Rapid Rewards® Plus Credit Card6 hours$300 ($100 per day for up to 3 days)$69
Southwest Rapid Rewards® Premier Credit Card6 hours$300 ($100 per day for up to 3 days)$99
Southwest Rapid Rewards® Premier Business Credit Card6 hours$300 ($100 per day for up to 3 days)$99
Southwest Rapid Rewards® Priority Credit Card6 hours$300 ($100 per day for up to 3 days)$149
United℠ Explorer Card6 hours$300 ($100 per day for up to 3 days)$0 intro annual fee for the first year, then $95
World of Hyatt Credit Card6 hours$500 ($100 per day for up to 5 days)$95

Compare credit cards with baggage delay insurance

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

How can I use baggage delay insurance?

If your trip is covered by your card’s insurance and your baggage is delayed, follow these steps to get reimbursed:

  1. Inform your carrier.
    Visit your carrier’s baggage services or customer service desk and let the representative know you haven’t received your luggage. File a report and get a copy of it. Also, collect documentation from the carrier showing what’s being done to locate your luggage.
  2. Collect receipts.
    While waiting for your luggage to arrive, ask for receipts for all essential purchases you make.
  3. Get proof of baggage delivery.
    This will show your claims administrator how long your baggage was delayed.
  4. Check your card’s guide to benefits.
    There, you’ll find details on who to contact for your claim.
  5. File your claim.
    Include supporting documentation. Usually, you must file within 20 to 60 days of your baggage delay.
  6. Look for communication.
    Keep an eye out for contact from your claims administrator. You may need to return additional documentation and answer questions from representatives.

Who gets to use baggage delay insurance?

Baggage delay insurance is typically available to the primary cardholder and their immediate family members.

Immediate family members might include:

  • Spouse or domestic partner.
  • Children.
  • Aunts or uncles.
  • Siblings or siblings-in-law.
  • Parents or parents-in-law.
  • Legal guardians or wards.
  • Grandparents or grandchildren.
  • Nieces or nephews.

If you have a business credit card, baggage delay coverage may extend to employees of the business under which the card is issued.

Bottom line

It can be extremely inconvenient when a carrier misplaces your luggage. However, baggage delay insurance can help you cover essential costs in the meantime. And if you have a credit card that provides concierge services, you might even be able to have your bags delivered to you when they arrive.

There are also other types of travel insurance, which you can find in many travel credit cards.

Frequently asked questions

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