Insured for delayed luggage with credit card

Luggage delay – what to do?

No matter how carefully you plan your vacation, occasionally a piece of luggage does not reach its destination at the same time as you. This is not uncommon for frequent travelers. There are many reasons for this:

• Short transfer times
• Delayed check-in
• Technical faults
• Prioritization for high-capacity utilization

In most cases, your luggage is not lost, it simply arrives later at your destination. If you have waited in vain at the luggage carousel, proceed as follows:

1. Report the delay at the luggage counter. There you will receive a reference number (PIR – Property Irregularity Report), which you will need for all further steps.
2. Keep your boarding pass and luggage receipt, as these are required for tracking purposes.
3. Document expenses and keep receipts so that you can assert your claims later.
4. Contact the airline or tour operator. You have 21 days to report the luggage delay. If your suitcase does not turn up within this period, it is officially considered lost.

As a rule, a delayed suitcase will be forwarded on the next available flight and delivered directly to your hotel or to your specified address – often within 48 hours.

American Express credit card: Travel Inconvenience Insurance included

If your luggage arrives late, you have rights as a passenger. According to the airlines’ international luggage regulations, you may be entitled to compensation or assistance. However, there are maximum liability limits that are often not sufficient to cover your expenses.

Travel Inconvenience Insurance from American Express is a useful addition. If your luggage is delayed, the insurance covers the costs of urgently needed purchases at your vacation destination. It also covers you in the event of flight delays and cancellations, offering all-round protection when traveling.

These American Express Cards include luggage delay insurance:

• American Express Platinum Card
• American Express Gold-card
• American Express Card

Particularly practical: If you have made the travel booking with your American Express credit card, you are already insured through this transaction and do not need to worry about additional policies.

In the event of luggage delays: well insured with the Gold Card and Platinum Card

The American Express Gold Card and Platinum Card offer additional cover for luggage delays with their Travel Inconvenience Insurance. The insurance reimburses expenses for urgently needed purchases at your destination that you would otherwise have to pay for yourself.

The comprehensive insurance benefits of the Platinum Card from American Express are ideal for frequent travelers in particular. If you book your trip via the Platinum Travel & Lifestyle Service from American Express, you will benefit from additional special advantages.*