Baggage Delay for Travel Insurance Thailand

Baggage delay coverage can help when you have arrived in Thailand but your baggage has not. There are certain reimbursements that can help you cover financial expenses until your baggage arrives. To get a full understanding of what defines baggage delay read our blog on Baggage Delay Insurance.

baggage delay thailand

Is Baggage Delay recommended for Thailand?

It depends! It’s down to your personal preference. We’ve weighed out the pros and cons of the benefit to help you decide.



  • Stress-free travel: If you arrive in Thailand and need to purchase essential items like clothes and toiletries then you will be reimbursed for your purchases while you wait for your baggage to arrive. What is covered will be up to your travel insurance policy.


  • Limits apply: Policies typically have coverage limits and might not cover everything you need to replace right away.


  • Pack smart: Pack a change of clothes, medications, and toiletries in your carry-on to get by for a day or two if your luggage gets delayed.
  • Credit card benefit: Some credit cards offer limited baggage delay coverage. Check your card’s details.

It’s a personal call. If you’re on a tight budget and pack strategically, you might skip it. However, for peace of mind and immediate access to essentials are priorities, baggage delay coverage can be a valuable addition to your Thailand travel insurance plan.



How much Baggage Delay coverage do you need for Thailand?

There’s no one-size-fits-all answer to how much baggage delay coverage you need for Thailand. The coverage amount would depend on the value for each person’s essential items. 

For example someone who is waiting for their baggage for more than 6 hours may only need to purchase a tooth-brush and a shirt, in this case they would not need a large coverage amount.

However if it was someone that needed to purchase essential medicine and toiletries then a high coverage would be needed. 


Typical Coverage Amounts:

Travel insurance policies for baggage delay typically offer coverage limits, often around 100-300 USD. This amount might cover essentials like a change of clothes, toiletries, and medications for a day or two, however this all depends on the individual’s policy, be sure to read the policy wording carefully.


Factors to Consider:

  • Travel Style: If you pack light and can easily adapt, less coverage might suffice. For those with specific clothing needs or who struggle without certain items, more coverage might be desirable.
  • Personal Comfort Level: How comfortable are you potentially needing to purchase replacements and waiting for reimbursement? This is one only you can answer.


  • Carry-on Essentials Kit: Packing a change of clothes, medications, and toiletries in your carry-on can minimize the initial impact of a delay.
  • Credit Card Coverage: Some credit cards offer limited baggage delay coverage as a benefit. Check your card’s terms and conditions.

Remember,  coverage limits apply. Review the details of your chosen travel insurance plan to understand what’s covered and any limitations.


How to navigate a Baggage Delay in Thailand

  1. 1) Report the Delay: If you find out your baggage is delayed, approach ground staff or Lost and Found counter/offices of your last operating airline at the airport immediately.
  1. 2) Provide Necessary Travel Documents: Show them your boarding pass, passport, and baggage claim tag.
  1. 3) Complete a Property Irregularity Report (PIR) describing your baggage in detail and provide your contact information.
  1. 4) Receive a Copy of PIR along with a file reference number. Keep it safe for tracking purposes and for travel insurance claims.
  1. 5) Keep receipts of essential items you buy while waiting for your baggage if it’s delayed more than 24 hours.
  1. 6) Wait for updates from the airline using online baggage tracking tools or by calling with your reference number.
  3. 7) Receive Found Baggage: If your baggage is found, the airline will deliver it to the specified address in Thailand or you can collect it at the airport.
  1. 8) If Baggage is lost: If you wish to make a claim related to the loss of checked baggage, inform the airline right away and inquire for reimbursements for loss of baggage. As this is the fault of the airline they will be responsible according to their claims policy in which your ticket was issued.
  3. 9) Claiming for your baggage delay to your travel insurance company.

All insurance companies have different claim procedures but most commonly these are the documents you will need:

  • Travel insurance claim form provided by your travel insurance company (completed)
  • Property Irregularity Report (PIR) from the airline
  • Proof of your trip (boarding pass, tickets showing travel dates)
  • Passport/visa copy
  • Photo ID copy (driver’s license, passport ID page, etc.)
  • Written confirmation from the airline about the delay (duration and reason)
  • Any additional documents requested by your insurance company

Baggage Delay in Thailand Examples

  1. “I have been waiting at the suvarnabhumi airport for 3 hours now, I’m not sure if they have delayed or lost my baggage. Can I get reimbursement for my essentials?”

In this case, you would not be able to claim. Typically most travel insurances have a 4-6 hour wait period before you are eligible to claim, then you must have an official statement from the airline saying your baggage has been declared as delayed.

  1. “My flight arrived on time in Chiang Mai, but my baggage containing all my toiletries and medications is missing. I filed a PIR with the airline, and they confirmed it’s delayed.  Can I be reimbursed for essential items like a toothbrush, toothpaste, and medication for the next 24 hours?”

For this case you would most likely be able to claim, the specific essentials that would be covered would depend on your travel insurance policy.

Ultimately, baggage delay coverage for your Thailand travel insurance is an optional add-on. It’s not a mandatory purchase, but it can provide valuable peace of mind and some financial buffer in case your baggage goes missing temporarily.

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