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Baggage Delay Insurance Offered By Credit Cards [Full Guide 2022]

- Aug 2, 2022 Credit Card Info, Travel0 comments

With the current chaos going on in airports, many travelers are having their luggage either lost by the airline or delayed. A few weeks ago we discussed credit card coverage offered by credit cards for lost luggage. This week we will discuss credit card coverage for delayed luggage.

What's delayed baggage insurance?

Baggage delay insurance is coverage for items that you need importantly but do not have them due to your luggage being delayed. Examples are clothing, diapers, cell phone chargers, etc. You can go ahead and buy new ones of these items and later get reimbursed from the credit card for the items bought.

Expenses need to be reasonable

Because your baggage is delayed doesn’t mean you can go on a free shopping spree. You will need to give a reasonable explanation as to why you needed the items bought. There’s nothing wrong with saying I don’t wear anything less than a pair of $100 slippers. But if you’re going to buy 10 undershirts when your luggage is delayed for only one day then they might say go to a doctor to check out your sweat problem…  

Coverage by law

It’s good to know that even without coverage from a credit card, by law, airlines need to reimburse you for up to $3,500 if your luggage was delayed on flights within the U.S. and $1,780 for international flights.

Which credit cards offer baggage delay insurance

Baggage delay insurance is mostly offered only on Chase credit cards. Here is a list of Chase credit cards that include baggage delay insurance and the details of the coverage provided. 

Coverage
United℠ Business Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Chase United Quest Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Ink Business Preferred® Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
British Airways Visa Signature Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Iberia Visa Signature Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Aer Lingus Visa Signature Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Aeroplan® Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries and clothing, for up to 3 days.
Marriott Bonvoy Boundless Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Chase Sapphire Preferred Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Ink Business Cash Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Ink Business Unlimited® Credit Card If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.
IHG Rewards Premier Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Southwest Rapid Rewards Premier Business Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
United Club Business Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
United Explorer Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Marriott Bonvoy Bold Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Southwest Rapid Rewards Plus Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Southwest Rapid Rewards Premier Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Chase Sapphire Reserve If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Southwest Rapid Rewards Priority Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
United Club Infinite Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
The World of Hyatt Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
IHG Rewards Traveler Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
Amazon Prime Rewards Visa Signature Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 5 days.
Southwest Rapid Rewards Performance Business Credit Card If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Who is covered?

You, your spouse, immediate family members, and authorized users 

How do I activate coverage?

You need to purchase your airline ticket with the eligible credit card 

If I book with points and only charge taxes to the card will I get coverage?

Yes. Chase terms allow you to only book a portion of the trip with your eligible card and still get coverage.  

Frequently asked questions
Do I need to call a credit card to say I'm traveling?
Most credit cards no longer require you to call before traveling. Putting a travel notification might still help to avoid your transactions from getting declined

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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