Using Your Baggage Insurance Benefits | Understanding Your Credit Card’s Lost & Delayed Luggage Perk
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Using Your Baggage Insurance Benefits | Understanding Your Credit Card’s Lost & Delayed Luggage Perk

Hi there, it’s Ernest from Trip Astute. In
this video, we’re discussing baggage losses and delays, and how to use
protections and benefits on your travel credit cards. (light chiming music) One of the worst feelings
when traveling is waiting at baggage claim and realizing that your bag didn’t
make it to your destination. For some reason, this seems to often happen when
the delay has serious consequences, like not having access to specific clothing
that you might need for an event or business meeting. Even worse, the airlines
can sometimes lose your luggage altogether or damage it while traveling.
While the airlines will normally compensate you for lost luggage or
delays, it often doesn’t help the situation in the moment. Luckily, many of
us have travel credit cards which offer some level of protection in these
situations. As long as you book your trip using your card, you should receive the
protections and benefits. For situations where your luggage is lost or delayed,
you want to first notify the airline of your lost luggage and file a claim at
the airport. You want to get some sort of documentation from the airline
acknowledging your report and showing the steps that they’re taking. Once you
have all the documentation, you can go ahead and start purchasing items that
you need in order to get through the baggage delay. However, you want to keep
all your receipts as you’ll need them later once you want to file a claim. The
important thing to note is that every card has their own rules around what
qualifies as a delay. For example, the Citi Prestige and the AAdvantage
Executive World Elite card only require three hours to kick in.
However, cards like the Chase Sapphire Reserve and Preferred require six hours,
and the Barclaycard Arrival Plus requires twelve hours. I’ll include a
Points Guy article that shows the total time frame and reimbursement amounts for
some of the major travel credit cards. For situations where your luggage is
completely lost or damaged, you want to do the exact same thing in terms of
reporting it with the airline and getting documentation before leaving the
airport. One thing to note though is that for lost luggage coverage, the amounts of
reimbursements are generally higher, usually around $2000-$3000 per person. However, there are certain
limitations for high-risk items like electronics, jewelry, and sporting
equipment. For example, both the Chase Sapphire Reserve and Preferred card
offer up to $3,000 in coverage for lost and damaged luggage, but will only
reimburse $500 for high-risk items like cameras, watches, and jewelry. So before
going on your next trip, you may want to be aware of your timelines and limits
for your baggage coverage. I recommend calling your issuer if you
have any questions on the coverage. That way, you’re not having to search for the
information when you’re in the moment. In addition, here are some tips to keep in
mind. Number 1: Reward redemptions are usually covered under the benefit. Travel
booked via reward redemptions are covered under this benefit. Just make
sure you keep any documentation showing that you transferred points or paid any
taxes or fuel charges. Even if you only paid a few dollars for your rewards
tickets, that should be enough to trigger the benefit and prove that you used the
card. Number 2: Coverage is usually secondary. Most of these policies are
secondary coverage policies, so if you purchased a separate travel insurance
policy, the credit card benefit will only cover anything above the travel
insurance. Also, any compensation provided by the airline is taken into
account when paying your claim. Number 3: American Express only covers
baggage loss (not delays). While American Express generally has some of the most
generous travel benefits and rewards, they don’t cover baggage delays by
default. You’re required to purchase the protection separately by calling their
customer service before your trip. However, baggage loss or damage is
covered. So, I hope this video helps to break down this card benefit. It’s
something that I hope you never have to use, but it can really help make the
situation better. Being able to buy clothes and toiletries while you wait
for your luggage can really save the day. We’re going to continue doing deep dives
into some of these common travel credit card perks. We did one recently on trip
delays, so check it out if you’re interested. Also, if there’s a perk or
benefit that you want us to explore or explain, let us know in the comment
section below. We’ve included referral links to some of the popular Chase cards.
Trip Astute does get a commission if you use our links. It doesn’t cost you
anything extra, but it helps us continue to create content for this
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Until next time, travel safe and travel smart.


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