My cruise was canceled due to a hurricane, which should be covered by my travel insurance. I requested compensation for the flight and hotel reservations that I no longer need. I sent them proof that I had the reservations, but I'm concerned that if I cancel the reservations, the insurance company won't find them when they are investigating. What should I do?
If you suffered reduced or no loss, i.e., you were able to cancel at no cost to you, or for a fee, the insurer would expect you to do so and reservations alone are not proof of loss.
You’ll need to provide proof of loss (receipts, sworn statements, etc.) As example, AIG Travel Guard claims require:
- Trip Invoice/Confirmation showing details of Trip (what/where/when), value of claimed trip component, and airline e-ticket and confirmation/reservation numbers
- Proof of payment for claimed expenses (Paid Trip Invoice, Credit Card, and/or Bank Statement)
- Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.