Bag missing? Go straight to the airline's baggage service office in the baggage hall and file a delayed baggage report before you leave the airport - an on-site claim is dramatically easier to resolve. Get the file reference number in writing, photograph it, and ask what interim essentials they will reimburse.
Delayed bags are the most common disruption and the most recoverable - but only if you do the paperwork before you leave the airport. Travelers who walk out first and call later almost always have a harder time.
Do several things at once. Get in the line, and call the airline, and open the app - whichever connects first wins. Standing in one line doing nothing else is how travelers lose four hours and every good seat.
Facts reviewed August 2026. General guidance, not legal advice.