Build the claim while the problem is happening
Insurance claims are easier when every document, receipt and communication is saved from the start instead of reconstructed after returning home.
Documents to collect
Medical event
Report, diagnosis, prescription, invoice and proof of payment.
Report, diagnosis, prescription, invoice and proof of payment.
Flight problem
Delay notice, rebooking, boarding passes, hotel and meal receipts.
Delay notice, rebooking, boarding passes, hotel and meal receipts.
Baggage issue
Property irregularity report, baggage tag, tracking number and replacement purchases.
Property irregularity report, baggage tag, tracking number and replacement purchases.
Hotel problem
Photos, written complaint, relocation details and receipts.
Photos, written complaint, relocation details and receipts.
Claim timeline
- Contact the insurer as soon as practical.
- Ask which assistance provider or clinic to use.
- Record claim and reference numbers.
- Keep original receipts and photograph them.
- Write a simple timeline with dates, times and names.
- Submit only complete, readable files.
Common mistakes
- Waiting until returning home to contact the insurer.
- Discarding boarding passes or baggage tags.
- Keeping only blurry receipt photos.
- Not obtaining written proof from the airline or hotel.
- Using a provider without checking insurer instructions when the situation allows.
Related English guides
Safety and emergency planning: Cuba Safety Guide · English Cuba travel hub
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