[TRAVEL INSURANCE] Best Credit Cards for Delayed or Lost Baggage
In previous posts we looked at Emergency Medical Insurance, Trip Interruption and Trip Cancellation. Another important section of Travel Insurance Credit Cards is the coverage for delayed or lost baggage. What this means is that after you arrive to your destination, you are waiting for your bag by the carousel and it doesn’t appear. As soon as bags seem to stop coming up the conveyor belt, chances are, you have a delayed or lost baggage.
The following cards have a coverage to assist you when an incident like this occurs:
| Credit Card | Baggage Theft |
Baggage Delay
|
| National Bank World Elite MasterCard | Up to $500 per person4 hours or more | Up to $1,000 per person |
| Capital One Aspire Travel World Elite MasterCard | Up to $1,000 per tripMust charge full cost of
tickets to card |
Up to $100 per day for max 3 daysFour hours or more |
| Capital One IHG Rewards Club World MasterCard | Up to $1,000 per tripMust charge full cost of
tickets to card |
Up to $100 per day for max 3 daysFour hours or more |
| American Express Platinum Card | Up to $1,000 coverageMust charge full cost of
tickets to card |
Up to $1,000 coverageSix hours or more |
| American Express AeroplanPlus Reserve Card | Up to $1,000 coverageMust charge full cost of
tickets to card |
Up to $1,000 coverageSix hours or more |
| American Express Air Miles Reserve Card | Up to $500 coverageMust charge full cost of
tickets to card |
Up to $500 coverage |
| CIBC Aerogold Infinite Privilege Visa Card | Up to $500 coverage | Up to $500 coverageMore than six hours |
| CIBC Aventura Infinite Visa Card | Up to $500 coverage | Up to $500 coverageMore than six hours |
| CIBC Aerogold Infinite Visa Card | Up to $500 coverage | Up to $500 coverageMore than six hours |
| TD Aeroplan Visa Infinite Privilege Card | Up to $2,500 coverage | Up to $500 coverageMore than six hours |
| TD First Class Travel Visa Infinite Card | Up to $1,000 coverage | Up to $500 coverageMore than six hours |
| RBC Avion Visa Infinite Privilege Card | Up to $2,500 for all insuredpersons
Not more than $500 for jewellery No more than $500 for golf clubs |
N/A |
| RBC British Airways Visa Infinite Card | Up to $2,500 for all insuredpersons
Not more than $500 for jewellery No more than $500 for golf clubs |
N/A |
| Scotiabank American Express Platinum Card | Max $1,000 coverage | Up to $1,000 for all insured personsMore than four hours |
| BMO AirMiles World MasterCard | Up to $750 per insured person
Max $2,000 coverage |
Up to $200 coverage
Delayed 12 hours or more |
| BMO World Elite MasterCard | Up to $750 per insured person
Max $2,000 coverage |
Up to $200 coverage
Delayed 12 hours or more |
| BMO Cashback World Elite MasterCard | Up to $750 per insured person
Max $2,000 coverage |
Up to $200 coverage
Delayed 12 hours or more |
For this coverage, the RBC Avion Visa Infinite Privilege Card and RBC British Airways Visa Infinite Card seems to offer a more generous amount in terms of compensation for baggage theft, up to $2500. In terms of baggage delay, most of the card mentioned offer a $1000 coverage if your baggage arrival has been delayed for more than four hours (some at six hours).
Sometimes it can be frustrating to arrive at a destination only to find out that your luggage did not arrive at the same time with you. There may be essentials that you need and clothing that you may have wanted to wear for the time that you were at the destination. Some airports have been recognized for these type of delays to the congestion of flights flying out through that particular airport. It is important to make notice of this and choose a travel credit card which will help cover these possible expenses.
Hi Shirley,
You guys at Pointshogger, if on purpose or if not, systematically omit any card issued by BMO in your posts and card reviews. Why?
Hi Nachshol, I apologize, it wasn’t on purpose that we omitted the BMO cards. They will be added on the list. Thank you.
Just an FYI regarding the delayed and/or lost luggage insurance offered by the National Bank of Canada’s World Elite MasterCard. You will only be covered if you have purchased the entire cost of BOTH your airfare AND accommodations with said card. If you are redeeming hotel points, staying with relatives or traveling on an itinerary that includes non-paid accommodations, your claim will be denied. This is a truly disingenuous way of promoting a benefit that does not really exist for most travelers.
That’s great information to know. Thank you for sharing this to us.