In general, insurance companies will require you to file a claim form and verification of travel arrangements, as well as itemized receipts as proof of loss.

Pro tip: snap a picture with your cell phone of each receipt and invoice as you receive it as well as other reports and notices.

Please see below for some examples of specific documentation which may be required for common claims:

Trip Cancellation:

• Proof of payment—credit card statements, cancelled checks, or cash receipts
• Trip itinerary—schedule of travel plans with breakout of costs
• Refund information, detailed refund policy, and amount refunded, if any
• Future credits issued, if any
• Proof of loss from cancelled flights

Medical Expense:

• Medical and emergency services receipts—doctor, hospital, medical transport bills
• Proof of payment—credit card statements, cancelled checks, or cash receipts
• Physician’s note—visit summary or other documents related to diagnosis and treatment

Trip Interruption:

• Proof of payment—credit card statements, cancelled checks, or cash receipts
• Refund information—any refunds or penalty fees charged by providers or travel agents
• Unused pre-paid trip expense documentation
• Additional expense details for hotels, airlines, transportation related to trip interruption

Most insurance companies allow you to start a claim online and will communicate electronically through the completion of your claim.  Be sure to follow each step closely and file any necessary documents within the timeframe outlined in your document.  Progress can often be tracked online, but generally expect the claim to be settled 30-45 days after the submission of all the required documentation.