Baggage Protection & Lost Luggage Claims Guide

Baggage coverage provides financial relief when your luggage is lost, damaged by an airline, or stolen during your journey. ### Baggage Delay vs Loss - **Baggage Delay:** Reimburses essential toiletries and clothing if your bag is delayed by more than 12 hours. - **Baggage Loss:** Pays out the cash value of your lost luggage up to the policy maximum per item limit. ### Key Actions Upon Bag Loss 1. Go directly to the airline baggage counter and file a **Property Irregularity Report (PIR)**. 2. Keep all purchase receipts for emergency items bought while waiting for your bag.