Make sure you take your insurance policy number and your insurer’s emergency contact details on your trip. If you’re claiming for stolen items or baggage, you’ll need to have informed the local police within 24 hours of the incident and got a crime reference number to give to your insurer. For medical treatment claims, get in touch with your insurer as soon as you (or someone on your behalf) are able. Preferably, you should let your insurer know before you accept any medical treatment, but in an emergency this isn’t always possible. For smaller claims you’ll usually have to pay for things upfront and then reclaim the cost from your insurer when you get home, so get receipts for everything relating to your claim, including medical treatment, medication or replacement clothes.