I am filing a travel insurance claim. When should I cancel my reservations?

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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.

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