In case of late delivery of your luggage, before you leave the airport, file a claim with the airline and keep a copy of the report. Also, contact your insurance provider and communicate the situation with them. If your baggage or personal items are delayed for 12 hours or more Allianz Global Assistance may provide reimbursement for essential items up to $400.00 Canadian Dollars. Keep the original purchase invoices as you will need them when making a claim for the reimbursement for such costs.