How to file a travel insurance claim (and get paid)

During the trip

• Call your insurer's 24/7 assistance line before paying for major medical care or evacuation where possible.
• Get written proof of delays or cancellations from the airline.
• File a police report within 24 hours for theft.
• Keep every receipt for meals, hotels and new tickets.

Documents to collect

Booking confirmations, proof of payment, the airline's delay or cancellation notice, medical records and itemized bills, and any refunds or credits you already received.

Filing

Submit within the deadline in your policy (often 90 days). Most insurers have an online claims portal. Keep copies of everything.

If you're denied

Ask for the reason in writing, point to the exact policy wording that supports your claim and appeal. In the U.S. you can also contact your state's insurance department.

General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.

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