What is the waiting period for baggage delay cover? Published by Chris Harvey October 15, 2008 Typically, most comprehensive travel insurance polices provide a Baggage Delay benefit that reimburses you for essential items needed when your bags have been delayed 24 hours or more. A few policies offer cover after only a 12 hour delay. Related articles: What does "baggage delay" cover? What happens if my bags do not arrive at my destination when I do? What do I do? What compensation should I expect if the airline delays my bags? One of the members of our family is much older than the rest of us. Does that effect the premium? What is "International Medical" travel insurance?