Here's how to give your claim the best chance of success

Making a claim can feel daunting, but being prepared makes a real difference. Here are some practical steps to follow if something goes wrong on your trip:

• Read your policy wording - take it with you when you travel so you know exactly what to do in an emergency. 
• For medical treatment abroad - call the emergency assistance line before receiving treatment where possible, so your insurer can authorise cover. 
• If your bag is lost or stolen - obtain a police report as soon as possible. Most insurers require this to support a claim. 
• If your flight is delayed - get written confirmation from the airline stating the length and reason for the delay.
• Keep all receipts - hold onto any receipts for any medical treatment, additional accomodation or expenses you pay upfront.
• Act promptly - report incidents as soon as you can and contact your insurer within the timeframe stated on your policy wording.