$1000 Spending Spree in Bali thanks to...Citi Prestige!
We were flying SQ Business Class from Sydney to Bali and when we got to the baggage carousel at Denpasar Airport, we saw our names on the dreaded laminated sign. Our bags didn't make it, but Singapore Airlines gave us the equivalent of $120 USD in Indonesian Rupiah on the spot and promised to deliver our bags within 48 hours which we thought was quite professional. Rarely are baggage agents in the US so proactive about offering compensation. They also handed us an irregularity report with all the documentation about the bags.
It wasn't too big of a deal because we were still stoked at the prospect of being in Bali, but then a lightbulb went off in my head. I remembered that even though it was an award ticket booked on miles, I had paid for taxes and fees on my Citi Prestige credit card which meant I had baggage delay insurance. I did a quick Google search and found this handy article by TPG which showed that we were entitled to $500 per traveller if our bags were delayed more than 3 hours.
I called Citi just to make sure it applied in our situation was covered and they said we were in the clear as long as we had the proper documentation, the purchases were in their covered list, and all purchases were made on our Citi Prestige card. According to Citi purchases can include "toiletries or a change of clothes, unless they’re included in the “What’s Not Covered.” The "What's Not Covered" list includes "Traveler’s checks, tickets of any kind (e.g., for airlines, sporting events, concerts, or lottery), passport, visas, negotiable instruments, bullion, rare, or precious metals, stamps, and coins, currency or its equivalent along with items that were not in the luggage." More details can be found on page 14 of the Citi Prestige Guide.
The process of filing a claim is pretty straightforward where they asked for the billing statement, itinerary, replacement item receipts and proof of delay to be sent via email. It took a few calls to Citi to clarify the exact type of documentation, but within 2 days a $500 credit was applied to my account. This wasn't the full amount since there were two travelers on the itinerary, so I called once more to clarify there were two passengers traveling and 6 days later the second credit of $458.30 was posted to my account.
Only using credit cards was somewhat tough in Ubud, as much of the shopping is in the market is cash only. We did buy some stuff we obviously wouldn't have bought had we been using our own money like bamboo clothing from BambooKu and some beautiful clothes from a New Zealand based brand called WeAr along with a large haul from the Nike outlet. Thanks Citi!