I never wanted to gate-check my carry-on in the first place.
On a recent Austrian Airlines flight from Valencia, Spain, to Vienna, I was asked to gate-check my carry-on bag. I'd traveled with the same bag many times before, but its dimensions slightly exceeded Austrian's published limits, a reminder that many European airlines enforce carry-on rules more strictly than I've become accustomed to.
It seemed like a minor inconvenience at the time. Instead, it meant spending three days of my five-night trip to Vienna for the Eurovision Song Contest without most of the clothes I'd packed.
When I arrived at baggage claim, I watched the carousel empty until I was the only passenger left waiting. I had an AirTag inside my bag, and, for a moment, I convinced myself it simply hadn't updated its location. But when I opened Apple's Find My app, it was still showing a live location in Valencia.
Fortunately, I'd booked the flight with my Chase Sapphire Reserve® (see rates and fees). That meant I had baggage delay insurance, one of the travel protections I value most. Between Austrian Airlines' and the Sapphire Reserve's baggage delay reimbursements, I recovered every dollar I spent (and actually came out about $25 ahead).
Here's how it all played out — and what I'd do again if my luggage was ever delayed.
Related: Chase Sapphire Preferred vs. Chase Sapphire Reserve insurance benefits — which is better?
When my bag got stranded in Spain
Upon arrival in Vienna, my first stop was Austrian's baggage service area.
I was expecting a long wait and plenty of paperwork. Instead, Vienna Airport (VIE) had self-service kiosks where I could scan my boarding pass, confirm a few details and file a delayed baggage report in less than five minutes. I immediately received my case number by email and also took a photo of it, along with my baggage tag, for my records.
I also uploaded my AirTag tracking link through Austrian's baggage portal. I can't say whether it helped the airline recover my bag any faster, but it certainly gave me peace of mind knowing exactly where it was.
The next thing I did was check Austrian's schedule.
There wasn't another nonstop flight from Valencia to Vienna for another two days. Factoring in baggage handling and hotel delivery, I estimated I'd probably be without my luggage for three days. I ended up being right.
Before buying anything, spend a minute working out how long you'll likely be without your luggage. That made it much easier for me to decide what was reasonable to replace.
Related: Carry-on vs. checked bags: Which is the better choice?
Replacing essentials while waiting for my luggage
Knowing I'd likely be without my bag for three days, I felt comfortable buying a few replacement essentials. I spent $349 across four stores on:
- Two shirts
- Two pairs of pants
- Three pairs of socks
- Three pairs of underwear
I deliberately didn't buy an entirely new wardrobe. Instead, I bought enough clothing to comfortably get through the rest of my trip, including attending Eurovision's Grand Final rehearsals.
Fortunately, I didn't need toiletries, medications or phone chargers because I always pack those in my personal item rather than my larger carry-on. That's a habit I'm especially glad I followed on this trip.
One thing that made both claims much easier was staying organized from the start. I photographed every receipt as soon as I made a purchase, kept my boarding pass and baggage tag, and archived every email related to the baggage delay and reimbursement. Having everything organized in one place made both claims much easier to complete.
Related: What to pack in a carry-on bag every time you travel
Getting reimbursed by the airline
My bag was delivered to my hotel three days after I landed.
Once it arrived, I submitted my receipts to Austrian. Two days later, the airline approved my claim and requested my bank details. The next day, it confirmed the transfer had been initiated. I received the reimbursement six days after submitting my claim.
But the reimbursement wasn't quite what I expected.
Rather than covering the full cost of my replacement clothing, Austrian reimbursed me 179 euros ($205), covering roughly half of what I'd spent. According to the airline's policy, reusable items (such as clothing) are generally reimbursed at 50%, while single-use items (such as toiletries) may be reimbursed at 100%.
I'd previously had delayed baggage with both Lufthansa and Iberia, and in those cases, my purchases were reimbursed in full.
It was a good reminder that airline reimbursement policies vary. If I'd relied solely on Austrian's reimbursement, I would have been out of pocket $170.
Related: EU plans to strengthen passenger rights, compensation rules: What travelers need to know
How Chase's baggage delay insurance covered the rest
Thankfully, I'd paid for the flight with my Sapphire Reserve, which includes baggage delay insurance when eligible travel is purchased with the card.
Because the benefit is secondary coverage, I first had to complete my claim with Austrian before submitting one through Virginia Surety Company (an Assurant company), Chase's benefits administrator.
Six days after opening the claim, I received an email confirming it had been approved. The following day, I logged into the benefits portal, accepted the settlement and confirmed my automated clearing house details, which were already on file from a previous claim. The direct deposit arrived later that day.
Virginia Surety reimbursed me $169, covering the portion Austrian Airlines hadn't. Combined with Austrian's reimbursement of $205, I received $374 (against $349 in purchases), leaving me $25 ahead thanks to exchange rate differences.
How Chase's baggage delay insurance works
My reimbursement came through the Sapphire Reserve, but baggage delay insurance is available on many travel rewards cards.
The Sapphire Reserve benefit reimburses eligible essential purchases when your baggage is delayed by more than six hours, up to $100 per day for a maximum of five days. Covered expenses can include clothing, toiletries and chargers for electronic devices.
A few details are worth knowing before you rely on the benefit:
- Coverage is secondary, so you'll generally need to seek reimbursement from the airline first.
- You don't have to pay the entire fare with your eligible Chase card. Paying just the taxes and fees on an award ticket is generally enough to activate coverage, and trips booked with Chase Ultimate Rewards points also qualify.
- Coverage extends to eligible family members traveling with you.
- The benefit generally applies while you're traveling away from home, not when traveling back home.
- You must notify the benefits administrator within 20 days of the baggage delay and submit the required documentation within 90 days.
It's also worth remembering that not every premium travel card includes baggage delay insurance. For example, while the American Express Platinum Card® offers coverage for lost, stolen and damaged baggage, it doesn't cover essential purchases when your luggage is simply delayed.
If I'd paid for this flight with a card that didn't include baggage delay insurance, I would have had to cover the remaining costs myself.
Related: Your guide to Chase's trip insurance coverage
What I've learned after my third baggage delay claim
After filing three baggage delay claims over the past five years, a few habits have consistently made the process easier:
- Keep your boarding pass and baggage tag.
- File a delayed baggage report before leaving the airport.
- Photograph every receipt immediately after making a purchase.
- Archive emails related to your baggage delay and reimbursement.
- Pay for flights with a credit card that includes baggage delay insurance whenever possible.
- Put a Bluetooth luggage tracker (such as an AirTag) in every bag. It won't necessarily speed up delivery, but it can provide peace of mind and useful information to share with the airline.
One thing I'll pay more attention to going forward is carry-on rules.
European airlines (including full-service carriers) can be much stricter about carry-on dimensions than many U.S. airlines. Even though there was room in the overhead bins on my flight, my slightly oversized carry-on still had to be gate-checked.
If you're traveling outside the U.S., don't assume the same bag you've carried onto dozens of flights domestically will always make it on board with you.
Related: Airline carry-on bag size policies: Everything you need to know
Bottom line
I certainly didn't expect to spend half of my Eurovision trip without most of the clothes I'd packed. But the experience reinforced why baggage delay insurance is one of the most valuable (and underrated) benefits on many travel rewards credit cards.
Keep good records, file your airline claim first and pay for flights with the right credit card. That way, you can turn what feels like a travel nightmare into a relatively straightforward claims process.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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