Your bag has not shown up, and you can’t afford to wait around for it (some airlines do put delayed luggage on the next flight out). To make the lost baggage scenario easier to manage, travel-insurance expert Joe Cortez has some advice.
“Before leaving the airport, file a missing bag report immediately with the airline. The report will include the origin airport, the destination airport, a description of your luggage (type of luggage, shape, color, etc), and instructions on where to deliver it. From there, the airline will start an investigation on where the luggage is, and … provide regular updates on when it will arrive. If your luggage is lost, the best thing a traveler can do is to check in daily with their airline about their luggage situation, and start documenting purchases as a result of the lost baggage. If your bags are significantly delayed while away from home, you may be able to file a claim against the carrier [and not just travel insurance] to get reimbursed for replacement items.”
Pro Tip: If you had a connecting flight, the claim needs to be filed with the airline of your last flight. Be sure to have your boarding pass handy and your baggage tag as well.