Excellent advice as I always forget about credit card coverage for lost/stolen purchases but this was a long time ago. I've only used this coverage once in my lifetime but I also had to file a police report and for this particular issue at 4 points Miami, we actually didn't realize the cosmetics / perfume were missing until arriving home. This was before the days of TSA requiring all suitcases to be open for possible check so it wasn't the airline security personnel. Good to be reminded about the credit card coverage. Starwood Amex still provide this?