If you need emergency medical treatment you should call your insurer’s helpline number as soon as possible for advice and authorisation. The helpline number is usually shown on your Policy Schedule or at the front of the Policy Wording. You must keep all receipts for any treatment or medication. When you return to the UK you will need to submit these to your insurer with a completed claim form. If something is lost or stolen you need to contact the local authorities within 24 hours and obtain a crime number as this will be needed when you return to the UK and submit your claim. All policies have excesses and contain limits on what you can claim for so it is very important that you read the Insurance Product Information Document, Schedule and Wording before you travel.