[Hondaracer]

the delay is the only thing that is covered with the basic card insurance [IE. not paying anything additional, just using basic coverage] if there is more than a 4 hour luggage delay you have up to $500 for clothing and toiletries

But.. when i paid for the extra 5 days, i had the option of "basic" which was just the normal unlimited medical coverage for the additional 5 days, or for $3 more, i got everything, luggage, flight cancellation, etc. etc.