How does Visa baggage delay insurance work?

The American Express Platinum card baggage insurance covers checked baggage and carry-on baggage that is lost or damaged by a travel provider. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the carrier. To be eligible for coverage, you must pay for the entire fare with their American Express Platinum card. ... read full answer

The benefit covers both the primary cardholder and authorized users. Spouses and any dependent children under 23 are also covered as long as they’re traveling on the same itinerary as a cardholder.

Here are some exclusions and limits to keep in mind:

For the American Express Platinum card baggage insurance coverage to apply, losses and damages must occur during a trip on a common carrier, such as an airplane, cruise ship, or train. You won’t be reimbursed if anything happens to your luggage during a trip when you’re not actually traveling, such as at a hotel or restaurant.

The benefit also places a maximum $1,000 limit on “high risk” items per person and trip. These include jewelry, cameras, computers, sporting goods and more items laid out in the Baggage Insurance Plan Benefit Guide.

Here’s how to file a claim:

You’ll need to file an American Express Platinum card baggage insurance “notice of claim” within 30 days of a covered loss or damage. You can file a claim either online or over the phone, by calling (800) 228-6855. You will then receive a claim form that you’ll need to complete and return to American Express within 60 days. You should be reimbursed within 30 days after the claim is substantiated.

The Chase Sapphire Reserve baggage delay benefit reimburses cardholders up to $100 per day for a maximum of 5 days when their bags arrive at least 6 hours late after traveling on a common carrier.

Here’s how the Chase Sapphire Reserve baggage delay benefit work:

• Overview: The purpose of Chase Sapphire Reserve baggage delay insurance is to reimburse necessities that the cardholder is forced to buy while waiting for their luggage to arrive. That might include things such as clothing, toiletries or a cell phone charger.... read full answer
• Coverage limits: You will be reimbursed up to $100 per day for a maximum of 5 days when your bags arrive at least 6 hours late after traveling on a common carrier. Examples of common carriers include airplanes, buses, cruise ships and trains.
• Who is covered: Coverage extends to each cardholder (primary and authorized users), their spouses or domestic partners, and immediate family members.
• Conditions: The cardholder must have paid for each person’s fare using either the Chase Sapphire Reserve card or points earned with the card.
• What is not covered: Examples of non-covered items include jewelry, cameras, hearing aids and more.

Here’s how to file a claim:

To file a Chase Sapphire Reserve baggage delay claim, either call the Benefit Administrator at (888) 675-1461 within 20 days of the incident.

Fill out the claim form and submit it with any supporting documents within 90 days of the incident. Supporting documents may include the travel itinerary, written confirmation from the common carrier that the baggage was delayed, and receipts for any purchased items over $25.00, among others. You can also submit a claim form online.