Hey all,

Can someone clarify something for me?

So if I have a delayed baggage over 4 hours, most
Credit card insurance kicks in and you can buy clothes etc for what you need up to some limit.

The credit cards also specifically state that no insurance coverage applies if the bag is lost on the return portion of your trip (back to your city of residence).

Does AC or airline delayed baggage limitation work in the same vein?

Let's say I have my suit in my bag and now it's lost and I need that suit for a wedding this weekend for example. Would that be covered by my delayed bag claim against AC even if it's my return portion?

My thought is that AC delayed expense would cover that... But they'd be thorough in ensuring the reasonableness of the expense.

(Please forego the 'don't pack suit in checked luggage thing- it's just an example).

You can always try to argue with AC reps to say why you deserve it.

What exactly are you trying to claim for? Hard to clarify without specifics.

His tux rental for the wedding.

Depends on where you fly from. If ex-EU, you are protected by the EU laws. Airline policy cannot supersede the laws. They will snow-job you but persistence pays off.

Does credit card insurance not cover LOST bags?

I can understand why they're not going to let you go on a shopping spree if you're at home and your bag is delayed 4 hours, but if the bag is never returned, are you expected to go after the airline?

Yes, but if the bag is found, then the op is screwed with his rejected claim for "lost" baggage.

$75CAD in first 24 hours = shopping spree?
HA

The posts I've read on delayed baggage insurance seem to suggest most credit cards offer more like $500 for a 24 hour delay.

I've never used credit card insurance for a delayed bag (I don't check bags ), so I'm even sure what my card offers.

If it's an international itinerary, you need to google "montreal convention", there are specific rules, and allowances.

Whoops for some reason I did not read your first sentence. I thought you were talking about what AC offers. (Despite thats not what you meant)

Why would returning home be any different than not having your "specific" item at a destination. Pax may only own one of the kind item and does not need 2 upon return. Thus his example, tux.

I can accept that.

But if I fly SFO-LHR and my bag doesn't show up, I have nothing. No underwear, no shirts, no pants.

If I fly LHR-SFO and my bag doesn't show up, sure, maybe I need a suit right away. But I can get by with whatever's in my closet until my bag shows up.

If we start getting into 72, 48, or even 24 hour delays, my thoughts change.

Most credit cards are either $500 after 24 hours. I believe AMEX is either $500 or $1000 for plat after 8 hours.

But not if coming back home.

I have used this a couple of times in the last fifteen years. Italian silk underwear in Moscow. Cheapest shirt at LHR was more than $100.

Well as I explained in the post above, I didnt realize he was talking about CC because I didnt read the first line. Despite clearly that's what he was talking about.