More travelers are losing their insurance claims because of this. Don’t be one of them.
Something goes wrong on the road. A flight collapses, a bag disappears, you get sick in a country where you do not speak the language. You file a travel insurance claim expecting reimbursement, and then the insurer asks for documentation, and you realize you kept almost none of it. The blurry photos are on your phone somewhere. The confirmation email is buried. The hotel receipt is gone.
Industry experts say the event itself is rarely what sinks a claim. Missing paperwork is. And travel policies do not pay on your account of what happened. They pay on proof of loss, which means you have to be able to show what occurred, when, and what it cost you, in a form an adjuster can accept.