My DW and I thankfully have never had a bag permanently lost.
However a couple suggestions. We always have a carryon with meds, toothbrush etc, but also 2 tops - DW, 2 polo shirts - me and 2 underwear for each and always travel in long pants. Enough to get us by for two days.
As another said we also always cross pack clothing so a loss of one case not a total disaster.
Like others disappointed at the response of Celebrity.
While not free, Chase Shapphire offers full primary car insurance, travel insurance and other benefits. Jim wrote about it recently.