: Documentation is the most common reason for claim denial. Save all itemized bills, booking invoices, and credit card statements.
: Understand your "excess" (the amount you pay toward a claim). If a lost item is worth less than the excess, a claim may not be worth filing.
Filing a claim is a detailed process that often requires proof of every expense and incident.
: Reimburses non-refundable costs if you must cancel or cut a trip short due to covered reasons like illness.
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: Covers loss, theft, or damage to personal items and luggage.