If you are Elite and lose luggage you get an instant $250 to spend. You must call the Elite Line and talk to someone and get clearance. Receipts must be saved! If traveling with someone who is non-elite, check all bags under Elite's name otherwise the person gets $100--and you get NADA for $100!!! I have lost twice in the past few years and CO has been fantastic. I have been authorized for the $250 immediately....and have gotten reimbursed quickly. Hope this helps!!!!