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: For thefts, get a police report within 24 hours. For medical issues, obtain a signed medical certificate from the treating physician.

: Covers loss, theft, or damage to personal items and luggage. TRAVEL INSURANCE

Filing a claim is a detailed process that often requires proof of every expense and incident. : For thefts, get a police report within 24 hours

Most standard policies from providers like Post Office or Allianz include: : For thefts

: Understand your "excess" (the amount you pay toward a claim). If a lost item is worth less than the excess, a claim may not be worth filing.

Travel Insurance Mistakes You're Making - Tips to Stay Covered!