AbroadWatch
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RECOVERY DESK

Build the evidence before you build the claim.

Give the insurer one connected record of the incident, ownership or expense, and the official on-site response.

CLAIM KIT

Keep originals. Copy every scene.

01Scene
02Record
03Cost

THE FIRST 24 HOURS

What comes before the claim

The claim starts when you create an official record on the ground, not when you upload a form.

  1. 01Now

    Stop further loss

    Get safe and write down the incident time.

  2. 02On site

    Create an official record

    Get case numbers and originals from police, hospital, or carrier.

  3. 03Within 24h

    Notify the insurer

    Confirm coverage, format, and pre-authorization rules.

  4. 04After return

    Submit one evidence pack

    Keep originals and submit copies, translations, and an index.

EVIDENCE PACKS

Pack by incident type

Photograph each item and prefix filenames with the date and case number.

⌁01

Phone & electronics

Connect proof of ownership with the incident record.

  • ✓Purchase receipt or statement
  • ✓IMEI or serial number
  • ✓Police case number
  • ✓Carrier suspension proof
  • ✓Last-location screenshots
Open incident response
□02

Wallet & cards

Separate the time of loss from any unauthorized use.

  • ✓Card-block timestamp
  • ✓Transaction screenshots
  • ✓Police record
  • ✓ATM or cash record
  • ✓Itemized loss values
Open incident response
+03

Hospital & ER

Connect the reason for care to every original expense.

  • ✓Medical report
  • ✓Original itemized receipts
  • ✓Prescription and pharmacy receipt
  • ✓Test results or records
  • ✓Insurer contact log
Open incident response
↗04

Baggage & delays

Preserve the carrier decision and reasonable replacement costs.

  • ✓PIR or airline statement
  • ✓Bag tag and boarding pass
  • ✓Delay notification
  • ✓Replacement receipts
  • ✓Airline compensation reply
Open incident response

CALL SCRIPT

Ask the insurer these five questions.

  1. 01Which section of my policy covers this incident?
  2. 02Which police or medical originals are mandatory?
  3. 03Do any documents require translation or certification?
  4. 04What deductible and item limits apply?
  5. 05What are the claim and follow-up document deadlines?

FOLDER RULE

One incident. One folder. One index.

01_Incident timeline
02_Official originals
03_Ownership and expenses
04_Insurer contact log
05_Submission history

General information only; it does not guarantee reimbursement. Follow your policy for coverage, deductibles, deadlines, and original-document rules. In a medical emergency, seek care before waiting for authorization.