Delayed luggage insurance kicks in if your luggage is delayed—typically by six hours or more—rather than lost.
The purpose of this coverage is to cover the cost of essentials like clothing and toiletries that you will require as a result of the delay.
https://youtu.be/p1CXzCCbhEs
Your coverage will be limited to a certain amount per day for up to five days, depending on the card, instead of covering the cost of acquiring new items.
Again, some things might not be covered, like hearing aids, contact lenses, and glasses. Documents, tickets, cash, and other items of a similar nature are typically out of your hands as well.
Delayed baggage insurance, like travel insurance or reimbursement from the airline, typically comes last to lost luggage insurance.
