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[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.

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

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