American Express Rejects Baggage Claim Due to Child's Award Ticket Tag
An American Express baggage insurance claim was denied after a damaged suitcase was tagged under the name of a child travelling on an award ticket, highlighting crucial details for credit card travel protection.
Credit Card Claim Denied Over Baggage Tag Detail
An American Express baggage insurance claim was recently denied for a traveller whose damaged suitcase was tagged under the name of a child flying on an award ticket. The incident, reported by The Points Guy on July 23, 2026, reveals a critical detail for credit card travel protection: the name printed on a baggage tag can determine coverage eligibility under certain policies. This case underscores the necessity for travellers to understand the specific terms of their credit card benefits before checking luggage.
Delta's Initial Rejection and Manufacturer's Warranty
Nicolas E. reported that his wife's Briggs & Riley suitcase sustained a significant crack during a recent flight. Delta initially rejected their claim, reportedly stating that Briggs & Riley's lifetime warranty meant the airline would not cover the damage. This explanation is surprising given United States Department of Transportation regulations, which hold airlines responsible for baggage damage under their control, irrespective of manufacturer warranties. Fortunately, Briggs & Riley repaired the bag under its 'Simple as that' guarantee, though Nicolas E. paid approximately $66 for shipping to the repair centre.
Award Ticket Status Nullifies Amex Coverage
The subsequent American Express claim, filed because the flight tickets were purchased with a Delta SkyMiles Amex card, was denied because the damaged luggage was officially checked under the 12-year-old son's name. His ticket had been redeemed using Delta miles, meaning he was not considered a covered traveller under the credit card's baggage insurance policy. Nicolas E. noted that Delta agents assigned baggage tags without considering individual bag ownership, and it was not apparent that the name on the tag, rather than the bag's owner, would affect insurance benefits.
Traveller Action Points for Baggage Protection
This case demonstrates the importance for travellers to understand credit card insurance terms thoroughly. To avoid similar issues, The Points Guy advises tracking which card booked each traveller's ticket and its associated protections. Travellers should plan who checks each bag to maximise benefits, clearly communicate bag assignments at check-in, and keep records for expensive luggage. While minimising baggage fees might sometimes involve weaker protection, awareness of this trade-off before airport arrival is crucial for informed decisions.
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