why pay $25/$35 (pending on location/distance travelled) to have OMW when your credit card might have it covered already??? I know CIBC Aerogold covers trip delay & cancellation (cause I used it before) as well as some AMEX......

sometimes for that $100+ annual fee (pending on credit card) those insurance do come handy!

Well if misery loves company, here's my sad tale also from NYC yesterday (Friday). My wife and I were flying on the 5:30pm LGA-YYZ to connect on to YVR. Got to the airport and checked bags an hour before flight. At 5pm, announcement that all further Air Canada flights to Montreal and Toronto were cancelled for the night due to thunderstorms. Sky was sunny in NYC and Toronto at the time, so it was hard to swallow, but what do I know. I make arrangements with the concierge to route us home Saturday (thereby missing an important celebratory brunch my wife and I were to attend Saturday morning in Vancouver). We then proceed to pick up our luggage. We find that my wife's suitcase is not there. AC baggage office checks and it is nowhere to be found. Someone must have taken the wrong bag thinking it was theirs, we are told. Unlikely it was stolen as they haven't had a theft there for 5 years. This type of thing happens regularly and people bring them back. They don't locate the bag overnight. When we check in for the flight this morning (Saturday), the lead check-in agent takes us down to the baggage office. There were no similar bags to ours there, meaning it is unlikely that someone simply took the wrong similar suitcase. Now it looks like it was stolen. Luggage contained a bunch of clothes my wife bought during our week in NYC.
Storm started in NYC at around 6pm and lasted about half an hour. Sky cleared after that.

i always advise, 1+1..... 1 handcarry + 1 laptop/purse/bag