#1 If your bag is delayed they will reimburse you for shopping for clothes, electronics, etc… (but for some reason not medication) that you need during those 3 hours or more that your bag is delayed (the minimum amount of time delayed for this benefit depends on the insurance agency).
#2 If your bag is damaged insurance will reimburse you for the bag repair or replacement.
#3 if you get sick in a foreign country they will reimburse you for your medical expenses.
#4 if someone steals your passport travel insurance will reimburse you for replacing your travel documents.
I currently have American Express and iNext Travel Insurance (which is really inexpensive for a year’s worth of insurance) – both have worked well for me.
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