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? Can I get live assistance with a quote or purchase? Are there medical conditions that are not covered by travel insurance?