Travel insurance may be bought online or in individual, and you can buy it right after reserving a trip or as you get nearer to your travel dates. While you will get the most effective pricing and probably extra benefits should you buy travel insurance as soon as potential, you possibly can generally discover restricted plans out there up to the day earlier than you depart. Baggage delay insurance permits you to recoup cash spent for requirements if your luggage arrives later than you to your vacation spot. For example, you can be compensated for the price of toiletries and a change of clothes. Baggage delay benefits kick in after a required ready interval outlined in your coverage, corresponding to six or 12 hours. Baggage insurance will reimburse you the depreciated worth for lost, stolen or damaged luggage, as much as your policy limits.