One day Your flight can be delayed and you miss your connection. If its on the same ticket You are protected but if You bought separate tickets You can be in trouble by spending lots of money for emergency hotel or new flights.
One of perks to have credit card is what it came with some travel insurance, but You must remember to buy flight ticket with this card and use this card for all necessary purchases like:
- food and drinks
- hotel cost
- taxi to hotel
- new tickets to Your original destination
I focus in this post on American Express card which I use (Platinum and BA Premium), but every card is different so I collected information from card insurance policy’s and here is some summary.
During my trips on 2 occasions my bags was delayed. There are no set rules for how airlines must assess baggage claims. For delayed baggage, some airlines offer immediate one-off payments at a set amount to cover emergency purchases (I saw one at HKG agent paying in cash for family which was disconnected with 4 of their 5 bags). Some airlines will pay per day up to maximum number of days. Some will just cover cost then You provide them receipts.
What should I do when I cannot see my bag or bag is damaged?
- Report it ASAP at arrivals baggage hall you have airlineagents which deal with situation and they will provide You Property Irregularity Report (PIR) which is essential to make any claim.
- For damaged bag You can inform airline in writing (email) within 7 days.
- Airline is obliged by Montreal convention to cover cost of essential items. To maximum 1,131 Special Drawing Rights SDR which is worth over 1200 GBP.
But believe me easier is to claim your travel insurance than deal with airlines. For example British Airways advice to claim from your travel insurance company first, only if You tell them what You don’t have insurance they will deal with You but it take time….
On this table you see how much You can claim from AMEX.
All purchases should be done before You receive Your bag and bag must be delayed 6h, after 2 days some card give You right to additional allowance in the table I gave total amount after 4,6,48h Your bag is delayed. You must keep all receipt and pay with Card which You have insurance.
The most interesting perk is what Amex allow claims in cases of flight cancellations. I took advantage of it when our flight was cancelled 6 months in advance and airline re-booked us to flight 1 days later. So we had to spend extra day at MUC after our trip to Cuba. So i booked Hilton Munich airport suite for family (I could book 2 rooms but prefer to have 2 small kids together with us). And we took dinner at Hotel restaurant we had limit 600GBP for accommodation and 600GBP for food but spend less than half of it.
Make note of difference some card are better for families. In case of only accommodation cost the best is Reward Gold. For family of four 800GBP should be more than enough for 1-2 days delay.
After trip You can claim money from American Express, they will need all receipts, tickets confirmations which You paid with their card! After few days You should get bank transfer for all expanses. Last Year I made 2 claims with them and this year I will make at least one because one of my flights is cancelled and I will have to spend one day more at hotel during trip.