Document everything. When you're filing a claim, proof is everything. Before they can process a claim, travel insurers will need all the evidence that proves your loss. Keep cash and credit card receipts for expenses you incur, and gather documentation.

To maximize your travel insurance claim, you must treat your trip with a "documentarian's mindset." The most successful claims are backed by comprehensive evidence: keep every receipt, medical report, and police report (in cases of theft). If your flight is delayed or cancelled, obtain a written statement from the airline explaining the specific reason (weather, mechanical, etc.). Before you even leave, take photos of your packed suitcase and its contents to prove ownership and condition. If an incident occurs, notify your insurer immediately—many policies have a 24- to 48-hour window for "first notice of loss." When filing, be meticulously honest and ensure every field on the form is completed accurately. Providing a clear, chronological narrative of the event supported by high-fidelity timestamps and photos will significantly reduce the chances of a "request for more info" delay or an outright denial.