Those orders can grant either party «temporary possession of specified personal property, including... keys or
other necessary personal effects»: section 4 (2)(emphasis added).
Baggage delay coverage (included in your baggage insurance plan) is for the outbound journey (not the return flight) and will reimburse you for the expense of
certain necessary personal effects if your checked luggage is delayed or misdirected for more than the allowed amount of time.
Our plans also provide a Baggage Delay Benefit, if while on your trip your checked baggage is delayed for 12 hours or more, to reimburse you for the purchase of
necessary personal effects while on your trip.
Under the Baggage Delay Benefit, we reimburse you for the purchase of
necessary personal effects when your checked baggage is delayed by an airline for 12 hours or more.
Most travel insurance plans include a baggage delay benefit which provides reimbursement for
necessary personal effects including clothing, toiletries and other essential items, if baggage is delayed or misdirected for more than 24 hours.
If, while on a Trip, your checked baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the actual expenditure
for necessary personal effects.
Reimburses expenses for
necessary personal effects (such as clothing and personal care products).
Baggage Delay: If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for
necessary personal effects.