4. Your bags are lost and you need to buy new clothes
You get to the hotel but your bags are lost or delayed. All you have are the clothes on your back.
You need to buy something to wear and other necessities.
Travel insurance can help cover the costs of buying clothes and other necessities you require if your bags are lost or delayed.
Most travel insurance policies kick in after a 12-24 hour delay, and have limits from between $100-$600. This is enough coverage to get you a change of clothes and some personal items until you receive your bags.