Each insurer has their own way of receiving claims. Most insurers have switched over to online submissions where you can upload and submit your claim and all your supporting documents. Some insurers even let you submit smaller claims through their travel apps. You also have the option to mail the documents. Travel insurance claims should be submitted within 30 days of your return. If you are unsure of the documents you need to submit, each insurer should have a claim submission instruction page that lets you know what they need for what type of claim.