Travel insurance · claim wizard

Travel insurance claim guide

Pick your insurer and claim type to see the documents you need, where to file, your deadline, the per-incident cap, and the most common denial reasons — all sourced from each carrier's certificate of insurance.

Your claim

Insurer
  • Allianz Travel (US)
  • Allianz Partners (EU)
  • Travel Guard (AIG)
  • World Nomads
  • SafetyWing
  • IMG Global
  • Genki
Claim type
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Lost Baggage
  • Delayed Baggage
  • Medical Emergency
  • Emergency Evacuation
  • Accidental Death
Incident date
2026-06-04
Region
US
Loss amount (USD)
$800
Supplier determination letter on hand?
No

This worked example is filed against an Allianz US lost-baggage claim five days post-incident. Pick a different insurer or claim type to see the rules change.

Your claim guide

Status

Get a supplier determination letter first

This insurer's coverage is secondary to airline / hotel / credit-card coverage. Most claims are denied at intake when the supplier's refund or determination letter is missing. Request it before you submit.

Submission deadline
2026-07-04
Days remaining to file
25
Estimated payout cap
$800
Expected review window
3-5 business days after complete submission

How to submit

online portal, Allyz mobile app, phone, or mail to PO Box 72031 Richmond VA 23255-2031

Required documents

  • supplier determination letter
  • Property Irregularity Report (PIR) from carrier
  • original receipts or proof of ownership for lost items
  • carrier final non-recovery letter

Top denial reasons

  • missing Property Irregularity Report (PIR)
  • items in sub-limit categories (electronics, jewelry) exceeding per-article cap
  • claim filed after submission window
  • no proof of ownership

Rules apply to a typical mid-tier Allianz Travel (US) policy. Confirm against your certificate of insurance before filing — riders and endorsements can change deadlines, caps, and required documents.

Claim rules verified 2026-06-09 against each insurer's claim portal + certificate of insurance.

Refreshed quarterly — staleness banner trips after 120 days.