We always take a carry on with pjs, bathing suits, & a change of clothes. The same thing happened to us last week going to a wedding in the Bahamas. We actually had two carry ons because I wanted the wedding outfits with us. Good news was the suitcase made it. Now we have to try to get our money back for the first night at Atlantis that we missed. Never had to use trip insurance so we will see how it works.