Who Covers Lost Luggage Costs?

Travel insurance is primarily valued for its medical coverage, although many travelers rarely need to utilize this aspect. Instead, insurance often serves as a last resort after airlines fulfill their legal obligations. For instance, if a flight within the UK or Europe is canceled, it is the airline's responsibility to provide accommodations, meals, and alternative travel arrangements, as well as potential cash compensation. The allure of upgrading to premium economy or business class for a trip to the Caribbean is tempting, especially for a daytime flight. However, the significant cost difference—£88 for economy versus £194 for a higher class—may not justify the expense for many travelers. Daytime flights in economy class are often preferred, as passengers tend to be in a more positive mindset when heading to their holiday destination compared to returning home. Recent legal rulings, such as the Supreme Court's decision requiring British Airways to compensate passengers for flight cancellations due to pilot illness, highlight the expectations placed on airlines. The ruling suggests that airlines should maintain standby pilots and crew at every destination to mitigate such issues. However, the practicality of this requirement remains questionable, as airlines typically only have standby staff at their home bases. Additionally, issues like long security queues at airports can lead to missed flights, raising questions about passenger rights. If air passenger rights were designed to provide restitution for delays caused by airport inefficiencies, it could significantly improve the travel experience for many.