The Most Common Travel Insurance Claims—and How to Avoid Them

No one wants to think about things going wrong on holiday—but they do. That’s why travel insurance exists. However, some problems happen far more often than others. Knowing the most common travel insurance claims can help you avoid them, prepare properly, and get better value from your policy.

Let’s take a look at the most frequent claims—and how to stay out of trouble on your next trip.

🧳 1. Lost, Stolen, or Delayed Baggage

This is one of the most common claims across all destinations.

Avoid it by:

• Using luggage trackers (like AirTags)

• Labelling your bags clearly

• Packing essentials in your hand luggage

• Arriving early to reduce check-in errors

🛑 Tip: Always get a Property Irregularity Report (PIR) from the airline for delays or losses—it’s usually required to make a claim.

✈️ 2. Trip Delays and Cancellations

Flight cancellations and delays are frustrating—and expensive without cover.

Avoid it by:

• Booking direct flights when possible

• Checking airline reliability before booking

• Buying your travel insurance at the time of booking, not just before departure

🛑 Tip: Check your policy’s rules around delays (usually 12+ hours) and cancellation reasons.

💊 3. Medical Emergencies Abroad

Unexpected illnesses or accidents can lead to huge hospital bills—especially outside Europe.

Avoid it by:

• Bringing your own medication and prescriptions

• Avoiding risky activities if you’re not covered

• Checking your destination’s medical risk rating

🛑 Tip: Disclose any pre-existing conditions—undisclosed issues can void your cover.

🧾 4. Cancelled or Cut-Short Trips

Family emergencies, illness, or job changes often force travellers to cancel or return home early.

Avoid it by:

• Choosing a policy that includes cancellation and curtailment

• Looking for policies that allow “cancel for any reason” (for more flexibility)

🛑 Tip: Keep receipts, confirmation emails, and booking references to support your claim.

📱 5. Lost or Damaged Gadgets

Phones, cameras, and tablets are easy targets for theft or accidental damage.

Avoid it by:

• Keeping gadgets with you in transit

• Avoiding public charging stations

• Using water- and shock-resistant cases

🛑 Tip: Many basic policies don’t include gadget cover—look for an add-on if you’re travelling with expensive tech.

✅ Final Thought: Be Prepared, Travel Smarter

Travel insurance is essential—but knowing the common risks helps you avoid making a claim in the first place. Pack smart, plan ahead, and make sure your policy matches your trip.

Compare policies from top UK insurers today and travel with confidence.

Compare Travel Insurance

The information contained within this webpage is for editorial purposes only, and not intended as financial advice.