Nothing can ruin a trip like getting to your destination without your luggage. If its arrival is delayed, or the airline sent your bag off on its own little adventure, you could be temporarily without necessary toiletries or need to replace all of your clothing.

And although many airlines may eventually reimburse you for a portion of your loss, it could be too little too late. It's best to be prepared with travel insurance, like USI Affinity's Travel Insurance Select with baggage loss and delay coverage. With this policy:

• If your baggage, passport or visa is lost, stolen or damaged, you will be reimbursed up to $2000. You're also covered for any unauthorized charges to your credit card if your card is stolen.

• If your baggage is delayed or misdirected for more that 24 hours, you'll be reimbursed for any necessary replacement items you purchase for up to $500. 

For more information or to receive a free quote, visit travelinsure.com