Always check your policy document so you know what’s covered and what’s not, and be sure to declare any pre-existing conditions beforehand in proposal form.
Take photocopies of Important Documents
Take photocopies of important documents, such as your passport, visa and insurance policy. If the originals are in your main bag, leave copies in your hotel or room safe. You should also leave copies with someone trustworthy at home. Send electronic copies of lists, travel documents, insurance policies and any other essential information to your email address to access whilst travelling.
Take the Travel Insurance Policy details with you
Make sure you have your insurance details with you, as well as any emergency phone numbers. Most travel insurers specify that you must call them or the customer care number mentioned in the policy before getting any medical treatment – some may even refuse to pay out on your travel insurance if you inform them late or fail to do so.
Keep Original Receipts / Boarding Pass
You will need original receipts/airline boarding pass and other evidence of your belongings, eg photos, for any items that you want to claim for later, such as medical bills, doctors prescriptions or anything you had bought because your baggage has been lost, stolen or delayed.
Get a FIR/Police Report
Your travel insurer will need to see a FIR/Police Report if your belongings are lost or stolen.
You need to submit your claim within the time frame as mentioned in the policy document, otherwise the travel insurer may even refuse it.