This benefit reimburses you for loss of personal items if your baggage is delayed more than 24 hours during your trip.

Having your baggage redirected to a different location, or arriving late at your destination

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.

Coverage can vary by plan. Please see the plan's Description of Coverage for eligibility and limits.