Delay versus loss
Delayed-baggage coverage can pay eligible essential purchases while waiting; baggage-loss coverage addresses property that is lost, stolen or damaged.
Carrier responsibility
File the airline or common-carrier report and keep any reimbursement or settlement records.
Item limits
High-value electronics, jewelry, cameras and other property may have sublimits or exclusions.
Theft documentation
A police or local authority report may be required for theft.
Proof of ownership
Receipts, photos, serial numbers and card records can support the item inventory.