Visa baggage delay insurance is a credit card benefit that will provide compensation for basic cost-of-living expenses when a Visa cardholder’s baggage does not arrive at the intended destination on time. The standard Visa Signature baggage delay policy provides up to $300 in reimbursement after a delay of 4 hours or more.
Coverage only applies to baggage on common carriers, such as buses, trains, airlines, and cruise ships. The coverage amount and minimum delay period also vary depending on the card. With some Visas, such as the Chase Sapphire Preferred® Card or the World of Hyatt Credit Card, cardholders can get up to $100 per day for a maximum of 5 days. These cards require delays longer than 6 hours for the cardholder to become eligible for any reimbursement.
Visa Baggage Delay Insurance Claims, Cards & Other Details
Visa cardholders will need to file a claim within 20 days of the incident, or as soon as reasonably possible, to use this perk. Visa baggage delay insurance will often cover the cardholder’s spouse and children as well.
Baggage delay insurance is not listed as a standard benefit for Traditional, Signature, or Infinite Visa cards. That said, it can theoretically be found on any Visa credit card, if the card issuer has chosen to offer it. You can call your card’s issuer or refer to its guide to benefits to find out whether your Visa has this perk and determine the extent of your coverage.
Finally, if your luggage ends up getting lost, many Visa cards offer another benefit called lost luggage reimbursement. This protection will cover you for the value of your lost items up to a certain amount. There are many coverage exclusions, and the insurance limits vary for this benefit, so be sure to reach out to your issuer for more details.
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