Information > Benefits > Baggage Delay

Baggage Delay

The table below shows you at a glance which company provides the most comprehensive coverage for the Baggage Delay element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

Coverage Description

Provides reimbursement for clothing, toiletries and other essential items if luggage is delayed for a specified period of time.

View full coverage summary for Baggage Delay for the policies below

#	Provider / Plan Name	Benefit
1	Air Ambulance Card Air Ambulance Card - Standard Annual	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
2	Air Ambulance Card Air Ambulance Card - Extended Stay 6 Months	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
3	Air Ambulance Card Air Ambulance Card - Extended Stay 12 Months	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
4	CSA Travel Protection Custom Luxe Comprehensive	$500 per person $5,000 policy limit Covered after 24 hour delay
	Full Policy Wording	We will reimburse you, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.
5	CSA Travel Protection Custom Comprehensive	$200 per person $2,000 policy limit Covered after 24 hour delay
	Full Policy Wording	We will reimburse you, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.
6	Global Alert Administrators Global Alert Essentials	$250 per person Covered after 12 hour delay
	Full Policy Wording	If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
7	Global Alert Administrators Global Alert Preferred	$200 daily limit $400 policy limit Covered after 12 hour delay
	Full Policy Wording	If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
8	Global Alert Administrators Global Alert Preferred Plus	$200 daily limit $400 policy limit Covered after 12 hour delay
	Full Policy Wording	If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
9	HCC Medical Insurance Services Atlas International excluding US Visit	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
10	HCC Medical Insurance Services Atlas America including US Visit	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
11	HTH Worldwide TravelGap Voyager	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
12	HTH Worldwide TravelGap Voyager	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
13	HTH Worldwide TripProtector	$200 per person Covered after 24 hour delay
	Full Policy Wording	We will reimburse you, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.
14	HTH Worldwide TripProtector Preferred	$200 per person Covered after 24 hour delay
	Full Policy Wording	We will reimburse you, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 24 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.
15	HTH Worldwide TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
16	HTH Worldwide TravelGap Multi-Trip Silver	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
17	HTH Worldwide TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
18	HTH Worldwide TravelGap Multi-Trip Gold	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
19	HTH Worldwide TravelGap Excursion	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
20	HTH Worldwide TravelGap Excursion	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
21	HTH Worldwide TripProtect e-Saver	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
22	IMG Patriot America	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
23	IMG Patriot International	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
24	iTravelInsured Picture Perfect Vacation	$100 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
25	iTravelInsured Elite Vacation	$500 per person Covered after 24 hour delay
	Full Policy Wording	In the event Your checked Baggage is delayed by a Common Carrier on a Covered Trip for 24 hours or more from the actual time of arrival at a Destination, subject to the limitations stated below, We will reimburse costs You incurred up to the maximum benefit shown on the Schedule of Benefits for reasonable additional clothing and essential personal articles You purchased. Verification of the delay by the Common Carrier and receipts for the necessary purchases must accompany any claim. The following limitations will apply: 1. This benefit does not apply if Baggage is delayed after You have reached Your Return Destination. 2. We will cover only one Baggage Delay per Covered Trip. 3. This benefit is in excess of any reimbursable costs paid by a Common Carrier.
26	iTravelInsured Lite Protection Plan	$100 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
27	iTravelInsured Annual Travel Medical Program	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
28	iTravelInsured Student Travel	$50 per person Covered after 24 hour delay
	Full Policy Wording	In the event that the Insured Persons checked Baggage is delayed by any Common Carrier on a Covered Trip for twenty-four (24) hours or more from the actual time of arrival at the Insured Persons final Destination, We will reimburse expenses incurred up to the amount shown on the Certificate Schedule excess of any reimbursable expenses paid by the Common Carrier for the cost of reasonable additional clothing and essential personal articles purchased by the Insured Person. This benefit does not apply if the Baggage is delayed after the Insured Person has reached his or her Return Destination. We will cover only one Baggage Delay per trip. Any payment of this benefit shall be offset against any claim ultimately payable under any Loss of Baggage benefit if such coverage was purchased by the Insured Person.
29	MedjetAssist Annual Membership	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
30	MedjetAssist MedjetAssist Extended Stay	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
31	MedjetAssist MedjetAssist Short Term Plan	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
32	MH Ross Travel Insurance Services Asset Plus	$200 per person $100 daily limit Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
33	MH Ross Travel Insurance Services Bridge	$400 per person $200 daily limit Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
34	MH Ross Travel Insurance Services Complete	$400 per person $200 daily limit Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
35	Seven Corners Inc Liaison Worldwide for US Citizens	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
36	Seven Corners Inc RoundTrip	$200 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY (OUTWARD JOURNEY ONLY) The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, except for travel to final destination or place of residence. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.
37	Seven Corners Inc RoundTrip Choice	$400 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY (OUTWARD JOURNEY ONLY) The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twenty-four (24) hours, while on a Trip, except for travel to final destination or place of residence.You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim.
38	Seven Corners Inc Inbound Immigrant	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
39	Seven Corners Inc Liaison Continent excl US	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
40	Seven Corners Inc Liaison International excl US	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
41	Seven Corners Inc Liaison Continent incl US	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
42	Seven Corners Inc Liaison International incl US	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
43	Seven Corners Inc Liaison Worldwide for Non US Citizens	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
44	Seven Corners Inc RoundTrip Economy	$100 per person Covered after 24 hour delay
	Full Policy Wording	For Baggage Delay: If, while on a Covered Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy. The Maximum Benefit Amount is shown in the Confirmation of Benefits.
45	Seven Corners Inc RoundTrip Elite	$300 per person Covered after 24 hour delay
	Full Policy Wording	For Baggage Delay: If, while on a Covered Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy. The Maximum Benefit Amount is shown in the Confirmation of Benefits.
46	Travel Guard Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
47	Travel Guard Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
48	Travel Guard Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
49	Travel Guard Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
50	Travel Guard Basic	$100 per person Covered after 24 hour delay
	Full Policy Wording	If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
51	Travel Guard Gold	$300 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
52	Travel Guard Gold	$300 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
53	Travel Guard Gold	$300 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
54	Travel Guard Gold	$300 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured?s Baggage is delayed or misdirected for more than 24 hours. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured reaches his/her Return Destination. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the emergency purchases.
55	Travel Guard Gold	$300 per person Covered after 12 hour delay
	Full Policy Wording	If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
56	Travel Guard MedEvac Per Trip	No coverage
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
57	Travel Guard MedEvac Per Trip	No coverage
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
58	Travel Guard Business Traveler	$200 daily limit $1,000 policy limit Covered after 12 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 12 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
59	Travel Guard Platinum	$500 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
60	Travel Guard Platinum	$500 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
61	Travel Guard Platinum	$500 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
62	Travel Guard Platinum	$500 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
63	Travel Guard Platinum	$500 per person $2,500 policy limit Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 12 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
64	Travel Guard Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
65	Travel Guard Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
66	Travel Guard Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
67	Travel Guard Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	Baggage Delay: The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverage and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 24 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier
68	Travel Guard Silver	$200 per person Covered after 24 hour delay
	Full Policy Wording	The Insurer will reimburse the Insured, up to the Maximum Limit shown on the Schedule of Benefits for the cost of necessary personal effects purchased by the Insured during the Trip, if the Insured’s Baggage is delayed or misdirected for more than 24 hours from the time the Insured arrives at the Destination (other than the Insured’s Return Destination) provided the Insured is a ticketed passenger on a Common Carrier and the delay or misdirection is verified by the Common Carrier. Payment of Loss: The Insured must provide documentation of the delay or misdirection of Baggage by the Common Carrier and receipts for the necessary personal effects purchased.
69	Travel Guard MedEvac Annual	No coverage
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
70	Travel Guard MedEvac Annual	No coverage
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
71	Travel Guard TravelRite Annual	$150 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
72	Travel Guard TravelRite Annual	$150 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by a Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
73	Travel Guard Great Outdoors	$1,500 per person $150 daily limit Covered after 12 hour delay
	Full Policy Wording	EQUIPMENT DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 12 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination
74	Travel Guard Great Outdoors	$1,500 per person $150 daily limit Covered after 12 hour delay
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
75	Travel Guard Great Outdoors	$1,500 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: The Insurer will reimburse You for expenses of necessary personal effects, up to the maximum shown in the Schedule of Coverages and Services, if Your checked baggage is delayed or misdirected by Common Carrier for more than 12 hours, except travel to final destination or Your place of residence. You must be a ticketed passenger of a Common Carrier.
76	Travel Guard Great Outdoors	$1,500 per person $150 daily limit Covered after 12 hour delay
	Full Policy Wording	BAGGAGE AND SPORTSMAN EQUIPMENT DELAY If the Insured’s sportsman equipment and Baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on a Trip, the Company will reimburse the Insured up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page for the rental of sportsman equipment and the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination.
77	Travel Insurance Services Travel Insurance Select Basic	$50 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Insurer will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25.
78	Travel Insurance Services Travel Insurance Select Elite	$200 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Insurer will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25.
79	Travel Insurance Services Travel Insurance Select Plus	$100 per person Covered after 24 hour delay
	Full Policy Wording	BAGGAGE DELAY If the Insured’s Baggage is delayed or misdirected by the Common Carrier for more than 24 hours while on a Trip, the Insurer will reimburse the Insured up to the Maximum Limit shown on the Schedule for the purchase of Necessary Personal Effects. Incurred expenses must be accompanied by receipts. This benefit does not apply if Baggage is delayed after the Insured has reached his/her Return Destination. If the Baggage is delayed after the Insured has reached his or her Destination and the Common Carrier makes a charge for delivery, the Insurer will reimburse the reasonable cost to deliver the Insured’s Baggage to his/her Return Destination or residence, up to $25.
80	Travel Insured International Worldwide Trip Protector Gold	$500 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY (Outward Journey Only) The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip, except for travel to final destination or place of residence. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim. If You purchase Sports Coverage the Company will reimburse You up to the combined maximum limit shown on Your Confirmation of Benefits for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Your Common Carrier.
81	Travel Insured International Worldwide Trip Protector	$300 per person Covered after 12 hour delay
	Full Policy Wording	The Company will reimburse You for the expense of necessary personal effects, up to the maximum shown on Your Confirmation of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip, except for travel to final destination or place of residence. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim. If You purchase Sports Coverage the Company will reimburse You up to the combined maximum limit shown on Your Confirmation of Benefits for expenses for rental equipment if Your sporting equipment is delayed or misdirected by Your Common Carrier.
82	Travelex Insurance Services Flight Insure Multi-trip - AD&D Only	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
83	Travelex Insurance Services Flight Insure Package Plan Multi-trip	$500 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFITS We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip. The benefit amount payable will not exceed the maximum shown on the Schedule.
84	Travelex Insurance Services Flight Insure Plus - Flight AD&D Only	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
85	Travelex Insurance Services Flight Insure Plus - Package Plan	$500 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFITS We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip. The benefit amount payable will not exceed the maximum shown on the Schedule.
86	Travelex Insurance Services Travel Basic	$100 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFIT We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip. The benefit amount payable will not exceed the maximum shown on the Schedule.
87	Travelex Insurance Services Travel Max	$600 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFITS We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip.
88	Travelex Insurance Services Travel Plus	$600 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY We will reimburse You, up to the Maximum Benefit Amount, for expenses incurred for the purchase of necessary personal items while on Your Covered Trip if Your checked Baggage is delayed or misdirected more than 12 hours from the time of Your arrival at Your Destination. This benefit does not apply to Baggage delayed after You have reached Your Point of Origin.
89	Travelex Insurance Services Travel Select	$250 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFITS We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during the your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip. The benefit amount payable will not exceed the maximum shown on the Schedule.
90	Travelex Insurance Services TraveLite	$250 per person Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY We will reimburse You, up to the Maximum Benefit Amount, for expenses incurred for the purchase of necessary personal items while on Your Covered Trip if Your checked Baggage is delayed or misdirected more than 12 hours from the time of Your arrival at Your Destination. This benefit does not apply to Baggage delayed after You have reached Your Point of Origin.
91	Travelex Insurance Services Business Traveler	$600 per occurrence Covered after 12 hour delay
	Full Policy Wording	BAGGAGE DELAY BENEFITS We will reimburse you up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for 12 hours or more during your Covered Trip. We will also reimburse you up to $25 for expenses incurred during your Covered Trip to expedite the return of your delayed Baggage. This coverage terminates upon your arrival at the return destination of your Covered Trip. The benefit amount payable will not exceed the maximum shown on the Schedule.
92	TravelSafe Basic	$100 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
93	TravelSafe Classic	$250 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. You must be a ticketed passenger on a Common Carrier. The Common Carrier must certify the delay or misdirection. Receipts for the purchases must accompany any claim. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
94	TravelSafe Classic Plus	$250 per person Covered after 12 hour delay
	Full Policy Wording	Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours from Your time of arrival at a destination other than at Your place of permanent residence, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure for necessary personal effects. Additional Provisions applicable to Baggage and Personal Effects and Baggage Delay: Benefits will not be paid for any expenses which have been reimbursed or for any services which have been provided by the Common Carrier, hotel or Travel Supplier; nor will benefits be paid for loss or damage to property specifically scheduled under any other insurance. These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.
95	Trawick International Safe Travels USA	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
96	Trawick International Safe Travels International	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
97	USA-ASSIST Worldwide Protection Global Travel Medical Diamond	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
98	USA-ASSIST Worldwide Protection Global Travel Medical Executive	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
99	USA-ASSIST Worldwide Protection Global Travel Medical Gold	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
100	USA-ASSIST Worldwide Protection Global Travel Medical Platinum	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
101	USA-ASSIST Worldwide Protection Global Travel Medical Standard	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
102	USA-ASSIST Worldwide Protection Global Travel Medical Titanium	No coverage
	Full Policy Wording	There is no Baggage Delay coverage with this plan.
103	USA-ASSIST Worldwide Protection GlobalTrip Classic	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
104	USA-ASSIST Worldwide Protection GlobalTrip Saver	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
105	USA-ASSIST Worldwide Protection GlobalTrip Plus	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.
106	USA-ASSIST Worldwide Protection GlobalTrip High Medical	$200 per person Covered after 24 hour delay
	Full Policy Wording	If Your checked baggage is delayed or misdirected while on Your Trip for more than 24 hours from Your time of arrival at Your destination other than Your residence by a Common Carrier, You are covered for the expense of necessary purchases of personal items up to the Maximum Benefit Amount as long as the expense is substantiated by receipts for purchases. Common Carrier must certify the delay.