Identify the benefit being claimed
A trip-delay claim needs different proof from cancellation, baggage loss or emergency medical. Start with the policy section that may apply.
Build a short event timeline
Record scheduled times, actual times, when the problem became known, whom you contacted and what happened next.
Match each expense to evidence
Keep receipts, invoices, credit-card statements, carrier notices, medical records, police reports or supplier letters as applicable.
Account for refunds and other payments
Insurers may ask what the airline, hotel, tour company, health insurer or credit card already paid or refused to pay.
Save the submission record
Keep the claim number, uploaded files, confirmation, insurer correspondence and any request for additional information.