There are two types of travelers: those who prefer Hand luggageand those who Prefers to check a bag.
If you check a bag, you are familiar with disadvantages. Waiting in the luggage claim can delay the start of your trip, and careless bag manipulators could damage your luggage.
However, the worst is when you The luggage is not there When you finally get to your destination. Even if the airline can tell you the location of your luggage (or even if you I can find it Use of products such as Apple Airtags), it may still take time to meet with your bag.
Some airlines have policies to reimburse travelers for essential items when a bag is delayed, but this reimbursement is often limited and can be difficult to obtain. Travel insurance It is another option to look for reimbursement.
But there is also the option that I trust and I have used several times: the protection of the luggage delay that is included in selected credit cards simply paying the flight with one of these cards.
These are some of the best credit cards that offer this benefit to card holders.
What is luggage delay protection?
Select credit cards offer luggage delay protection, which can reimburse the cost of the necessary personal and commercial items while waiting for your control bag when a common carrier is delayed.
A common operator is a company that transports any public passenger who pays a rate or buying a ticket and provides service at a regular schedule; Common carrier examples include airplanes, trains, transfers and cruises.
Related: What to do when your luggage is delayed or lost an airline
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What is covered by the protection of the luggage delay?
In general, luggage delay protection covers the things you may need while your bag is delayed. This includes items such as a change of clothing and dressing tables. But depending on your situation, other elements may be allowed. The maximums and restrictions vary from the credit card to the credit card.
Persecution cards that offer luggage delay protection generally carry restrictions. For example, the following elements are excluded:
- Earphones
- Artificial teeth, dental bridges or prosthetic devices
- Tickets, documents, money, values, checks, traveler checks and valuable documents
- Business samples
- Jewelry and watches
- Cameras, video recorders and other electronic equipment
- Recreational team
These previous articles are articles that you always want to put in your handbags.
Related: This is what to pack in a handbag every time he travels
How do I get coverage?
The eligibility requirements differ from one card to another, so verify your specific guide for the benefits to ensure.
Most of the cards discussed in this guide provide coverage provided that some part of the Common Transportist rate (such as the ticket of its airline) is paid with the card or for the redeeming points associated with the card.
This means that paying taxes and rates on a prize ticket counts as paying part of the flight for most cards discussed here.
That is why he will want to wear a credit card that provides benefits even when he reserves a prize ticket and only pay taxes and rates on the prize using the card.
A final restriction to take into account: most of the cards mentioned in this guide do not provide protection due to delay in luggage if your bag is delayed in your return to your main residence.
Related: Chase sapphire preferred benefits that you may not know about
Credit cards that offer luggage delay coverage
The following cards offer luggage delay if the bag has been delayed six hours or more. They are reimbursed up to $ 100 per day for up to five days.
In addition, the AADVANTAGE® AVIATOR® Red World Elite MasterCard® It offers luggage delay if your bag is delayed for 12 hours or more. You will receive up to $ 100 per day for up to three days.
The information for the Aadvantage Red aviator, Southwest Rapid Rewards Premier, Iberia Visa Signature Card, Aer Lingus Visa Signature Card and The United Club Business Card has been independently collected by the type of points. The details of the card on this page have not been reviewed or provided by the card issuer.
Note that most previously listed cards also have the following restrictions:
- The coverage is secondary, so you must first present claims before the airline and any other source (such as travel insurance)
- The immediate family is covered even if you reserve a ticket for them with your card but do not travel with them
- Coverage is not provided when its destination is its permanent residence
It is worth noting that American Express Platinum Card®One of our favorite cards to buy air tickets, does not offer this protection. The Platinum Amex Luggage Insurance Plan* On the other hand, it covers damaged, stolen or lost luggage, which differs from delayed luggage.
You may still want to use this card for your flights thanks to the 5 points per dollar spent, you will win for flights directly with the airline OA through American Express Travel (in up to $ 500,000 of these purchases every year), but be sure to have this limitation when choosing which card to use.
*The level of eligibility and benefits varies according to the card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Subscribed by Amex Assurance Company.
Related: How to maximize the benefits with the Amex Platinum card
How to submit a claim
Before submitting a claim to the Department of Benefits of your Credit Card, you must:
- Notify the airline on delayed or lost luggage. In general, this is done by presenting a report at the airline’s luggage services counter before leaving the airport. Obtain a copy of this report (including a reference or monitoring number), since it is likely to send it with your claim.
- Obtain documentation from the airline with respect to delayed luggage and the actions that the airline is taking to locate and return the luggage. If the airline offers some reimbursement of the items you need while your bag is delayed, get information on how to submit this claim.
- Keep the original and detailed receipts of all the necessary items you bought while your luggage was delayed. If you are buying not covered items in the same merchant, such as snacks or entertainment for children, pay these in separate transactions to avoid any confusion.
- Keep any documentation provided when your delayed bag is delivered. This will demonstrate the moment when the luggage was delivered.
If your luggage is delayed, take a look at the guide to the benefits of your credit card to determine the next steps, or simply call the number in the back of your card if you do not have your hand benefits guide. Nor take too much time, since the relatively fast claim process must begin.
To give him a context on common timelines, if he bought his trip with an eligible CHASE CREDIT CARD List previously, it will generally have 20 days since your bag was delayed to present a claim notice.
Then, a “loss test” will be sent to you. You must return it together with the receipts and other documentation within 90 days after the delay of your bag. From there, approved claims can take up to 60 days to pay.
Finally, if you are flying to Alaska airlines or Delta airlines, make sure present a claim for bonus miles. Both carriers will grant 2,500 miles of bonus (Alaska also allows you to choose a flight coupon of $ 25) if your bag does not reach the luggage claim within 20 minutes after arrival.
Related: What you should never pack in a pictures bag
End
Unfortunately, delayed luggage insurance remains relatively weird among credit cards. The good news, however, is that a couple of main credit cards offer this insurance to help relieve the process of traveling with pictures.
However, in the rare case when a bag is delayed, you will be happy to have reserved its flight with a credit card that offers a delayed luggage benefit. You cannot emphasize enough so that the details of this benefit are often overlooked differ from one card to another, so be sure to consult your benefit guide for the exact details of the credit card that you usually use to book flights.
That way, you will know what to do what you are right if your luggage is delayed on a future trip.
Related: What airline is now better if you don’t want to pay bag rates?
