Your monetary scenario is unique and the services and products we review is in all probability not right in your circumstances. We don’t provide monetary advice, advisory or brokerage services, nor do we advocate or advise people or to purchase or promote specific stocks or securities. If your bags arrive in Munich after you do, baggage delay advantages may help pay for requirements to tide you over until your baggage arrives. Baggage delay benefits kick in after a required waiting period outlined in your coverage, for instance 12 or 24 hours. Also note that you usually must file a declare with your airline or residence or renters insurance before submitting a baggage insurance claim. If you’re not absolutely reimbursed by the initial claim, your baggage insurance can cowl the distinction.