Does your Insurance have Cover for Baggage loss or Checked-in baggage delay?
You're standing at a baggage carousel for what seems like forever when the steady flow of bags onto the conveyor belt slows to a trickle, then stops. Your bags are nowhere in sight. Or your bags do show up, but look like an angry gorilla has been throwing them around his cage for sport. Who's responsible?
If your bags are delayed, try not to panic. The airlines typically have ways to track them, and the vast majority of all misplaced luggage is returned eventually. If your bags are on the next flight, you could have them within a few hours. If they've been sent to the wrong airport, it could take a couple of days. Make sure to file your claim immediately at the airport and to give the attendant a hotel or home address, as well as a phone number where you can be reached.
The maximum an airline pays on lost bags and their contents is currently limited to $3,400 per passenger on domestic flights, and a varying rate per passenger for checked baggage on international flights based on the Warsaw Convention or the Montreal Convention. In the United States, if you have paid a checked baggage fee for your lost bag, the airline must refund your fee. Check your carrier's website for specifics.