Our experience with travel insurance is that you're only compensated for actual expenses incurred; no compensation for inconvenience, such as having to spend the night in the terminal because there are no available hotel rooms, as happened to us on returning from China last year. Write a letter to the airline, and you may get a voucher for future travel to compensate for the inconvenience of the baggage delay. I find it incomprehensible that they removed passengers' baggage to make room for cargo.
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