Baggage Delay Insurance*

    If your baggage doesn't arrive when you do, you're covered

    Simply use your First Midwest Debit MasterCard® to purchase the entire cost of the common carrier passenger fare. This benefit is automatic, free and can make you feel more secure knowing that you and your family will be reimbursed for the emergency purchase of essential items needed in the event your bag is delayed. Your First Midwest Debit MasterCard. There to provide, There to protect.

    Exercise Your Benefits

    MasterCard is ready to help 24/7. Call 1-800-MC-ASSIST
    (1-800-622-7747) to start the claim process within 60 days of date of purchase.


How To File A Claim

  • Call 1-800-MC-ASSIST to request a claim form.
  • Submit the following documentation within one hundred eighty (180) days of the incident or the claim will not be honored:
    • Completed and signed claim form.
    • MasterCard statement showing purchase of the fare.
    • Claim check and lost baggage report.
    • Receipts for any items purchased.
    • Any other documentation that may reasonably be requested.
    • Answers to specific questions can be obtained by writing to the Plan.

Coverage Details

  • If your baggage is delayed, you will be reimbursed for the emergency purchase of essential items up to a maximum of $300. The Baggage Delay amount is limited to $100 per day, for three (3) days for a covered trip and at a destination other than the cardholder’s location of permanent residence. Baggage delay means a delay or misdirection of the cardholder’s property by a common carrier for more than four (4) hours from the time when the cardholder arrives at the destination on the cardholder’s ticket.

What Is Not Covered 

  • Items not covered include, but are not limited to contact lenses, eyeglasses, or hearing aids; artificial teeth, dental bridges, or prosthetic devices; tickets, documents, money, securities, checks, travelers checks, and valuable papers; or business samples.

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