For short term survival post bag-loss I’d worry less about toiletries and more about clothes.
Most hotels will supply you with a (crappy but serviceable) toothbrush, razor and other basic toiletries on request and if not (ie. you’re in a hostel) you can probably replace the basics for a few bucks if needed. Plus, the complication of having to take anything sharp (scissors, tweezers, nail clippers) and large liquid containers (shampoo, sunscreen, moisturise, etc) out of your toiletries bag every time you catch a plane is a major hassle.
Far better to just carry some versatile, destination-appropriate clothes and underwear.
Also, in terms of general preparedness:
From personal experience I can recommend Travel Insurance connected to organisations which primarily deal with helping stranded people. I don’t know if such organizations exist in all countries. I know that they exist in Germany (ADAC), the Netherlands (ANWB), Belgium (VAB).
They have complete teams whose primary task is to assist in solving the problems.
I’ve had my luggage lost on a number of flights before and a couple times at hotels (I have no idea how this happened). My suggestion for flights is to always pack the essentials in a carry-on. Make sure you have your toiletries, soem underwear, clothing, bathing suit (if going to a warm place) packed with you so it doesn’t matter if it gets lost.
At least that way when you arrive you can have a few days of clothing and don’t immediately need to buy new.
Travel Insurance is generally a slow process (only dealt with it once). Luckily my bag showed up before going too far into the process.
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