However, these factors do not influence our editors' opinions or ratings, which are based on independent research and analysis. Our partners cannot pay us to guarantee favorable reviews. Here is a list of our partners. You might not need a separate, standalone policy if you're already covered with credit card travel insurance. If your luggage doesn’t arrive when you do, you may receive a reimbursement to offset the costs of having to purchase new attire and other items you may need. The length of delay required and the coverage offered varies by card. Lost/damaged baggage.

If your bags are lost or damaged by a carrier, or items have been stolen from your baggage, your provider may provide monetary compensation. If your trip on a common carrier is delayed, you may receive monetary compensation to help cover meals, hotels, transportation and necessary purchases up to a certain amount per ticket. If you need to cancel a prepaid, nonrefundable trip, you may receive compensation to offset the lost funds. This benefit generally applies to cancellations for covered reasons, which vary by card. If you miss a portion of your trip due to a covered reason, this benefit will reimburse you for any unused, prepaid, nonrefundable reservations (i.e., excursions, hotel nights). If you are hurt while traveling and require medical treatment, medical expenses may be covered up to a certain dollar amount. If your illness or injury requires you to return hom…