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Travel insurance claim: documents to gather

Collect proof while you are still there: receipts, reports and a clear timeline.

21 items · 5 sections · travel, documents, money

Start this checklist

Right away (4)

  • Read your policy to see what is covered and what the excess is
  • Call the emergency number on the policy if it is a medical emergency
  • Tell the insurer before you pay for large costs when you can
  • Write down the date, time and place of what happened

Medical claim (4)

  • Doctor’s or hospital report with diagnosis and treatment
  • Itemised bills and receipts for all treatment
  • Receipts for medicines
  • Proof of payment, such as card statements

Lost, stolen or damaged items (4)

  • Police report for theft or loss, with its number
  • Airline or hotel report for lost luggage or damage
  • Receipts or proof you owned the items
  • Photos of the damage

Cancelled or delayed trip (4)

  • Written notice from the airline or hotel about the cancellation or delay
  • Booking confirmations and tickets
  • Receipts for extra hotel, food and transport
  • Proof of why you cancelled, such as a doctor’s note

Sending the claim (5)

  • Fill in the claim form fully and keep a copy
  • Attach copies of the papers and keep the originals
  • Check the claim deadline in your policy
  • Note the claim number and follow up in a week
  • Keep everything until the claim is paid

Written from www.travel.state.gov

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