First steps
This page helps travelers show covered reason and prepaid nonrefundable costs. Start by protecting health and safety, then collect written records while the details are fresh.
- Contact the insurer's assistance or claim channel.
- Ask which forms and documents are required.
- Request written notices from carriers, doctors, or suppliers.
- Keep refund records and receipts.
Documents that may help
Claim requirements vary, but most claims rely on the policy certificate, proof of payment, itinerary, receipts, and third-party written statements.
- Claim form and policy number.
- Trip receipts and refund status.
- Medical records or carrier notices when relevant.
- Correspondence with airlines, cruise lines, hotels, or tour operators.
Questions to ask
Clear questions can prevent repeated back-and-forth with the claim department.
- Which benefit is being reviewed?
- Which documents are still missing?
- Does any deadline apply?
- Will refunds from suppliers reduce the claim amount?
Related Reading
Claim PreparationDocuments and timelines for common travel insurance claims.Trip CancellationCovered reasons, prepaid costs, documents, and deadlines.Emergency MedicalMedical benefits, network questions, and overseas payment issues.ChecklistsShort worksheets for buying, claims, cruises, and international trips.
Reference Sources
Use public insurance and travel resources, then read the policy certificate before relying on any benefit.