Reimburses you for the purchase of necessary personal effects if your bags are delayed for more than 12 hours. (mvp.travelguard.com)
Baggage Delay — reimburses you for necessary personal effects if your checked baggage is delayed (sevencorners.com)
Those orders can grant either party «temporary possession of specified personal property, including... keys or other necessary personal effects»: section 4 (2)(emphasis added). (ablawg.ca)