What should I keep if my travel insurance claim was denied?

Keep the full policy wording, schedule, claim form, supporting records, decision letter and every reason or exclusion the insurer relied on. Preserve the dates of submission, requests for information and responses.

Should I keep airline or hotel refunds too?

Yes. Record refunds, credits, vouchers and other amounts already recovered so the claimed loss can be distinguished from money already returned.

What if the insurer says evidence is missing?

Keep the request exactly as sent, note the deadline, preserve what you supplied and record anything you genuinely cannot obtain rather than recreating it from memory.

Can GetInstantProof decide whether the exclusion is valid?

No. It organises the record. Coverage and the effect of exclusions depend on the policy, facts and applicable law.

Travel Insurance Claim Evidence Checklist

Organise evidence for a travel insurance claim

Keep the policy wording and schedule together with the trip booking, the event that caused the claim, supporting medical or incident records, receipts, insurer correspondence and the written claim decision. Separate facts, documents and disputed points so the next review is easier.

General information only — not legal advice · Reviewed 4 October 2026

General organisation guideChoose country and region before relying on jurisdiction-specific legal steps or deadlines.

Choose location

Policy and insured trip

Policy schedule or certificate
Full policy wording
Booking confirmation and itinerary
Insured traveller details
Relevant add-ons or endorsements

Event and timeline

Record when the illness, injury, cancellation, disruption, baggage loss, theft, damage or other event happened and when each provider or insurer was notified.

Supporting evidence

Medical certificates or treatment records
Carrier or baggage reports
Police or incident reports where relevant
Receipts and invoices
Cancellation or refund records
Photos or other contemporaneous records

Insurer claim and decision

Keep the claim form, acknowledgement, requests for further information, every response, the decision letter, cited exclusions, partial-payment calculation and any internal-review correspondence.

Important limitation

GetInstantProof organises travel-insurance records. It does not decide policy coverage, whether an exclusion is enforceable, the value of a claim or whether an insurer must pay.

Related evidence guides

Keep building the record

Travel refund evidence record Consumer dispute evidence Chargeback and payment dispute evidence

Continue the journey

Use the right tool for the next job

GetInstantResolveBuild a travel-insurance complaint and follow-up plan.GetInstantLawCheck legal information for your country and state or region.

Common questions