What documents do I need to claim on travel insurance after a disruption?
A written confirmation of the disruption from the operator (delay/cancellation notice with reason), all original receipts for out-of-pocket costs, your original booking and boarding passes, and — for medical claims — an itemised invoice and treating clinician's report. Submit within the insurer's window (usually 30 days).
Insurers reject claims most often on evidence, not eligibility. Get the operator's disruption notice at the airport or via email — a screenshot of a delay board is thin evidence. Keep every receipt (meals, hotel, transport, replacement essentials) in original form; card statements alone rarely suffice. For medical claims, itemised invoices from the clinic plus a signed clinician's report matter more than a total figure. File within the notification window in your policy (30 days is typical). Note that many premium credit cards include travel disruption cover — check before buying a separate policy.
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Last verified 2026-07-29.