: Before claiming, contact your airline or hotel for a refund. Insurers often only cover "unrecoverable" costs and may ask for evidence of these attempts.
Most standard policies from providers like Post Office or Allianz include:
: Covers emergency treatment, hospital stays, and sometimes medical evacuation or repatriation.
: For thefts, get a police report within 24 hours. For medical issues, obtain a signed medical certificate from the treating physician.
