We’ve all been there; a flight is delayed or cancelled, there’s an unexpected medical incident abroad, or you’ve been pickpocketed on holiday. This is why travel insurance is important; but so often, we untick the box that will ensure we’re covered. After you’ve dealt with the immediate aftermath of an emergency, you might be wondering—now what?

First: don’t panic. If you have traveller’s insurance, contact them immediately to let them know what’s happened and what they’ll cover. Be sure to save all your receipts for reimbursement.

Checking in with the credit card company you used to book your ticket. Some travel-based credit cards, like Amex, include insurance as part of their annual fees. Other credit card companies might not be able to help with travel-specific problems like cancelled flights or missing hotel reservations, but if you’ve been scammed or robbed, might be able to reverse the charges (and will certainly be able to put a stop to further transactions).

Contact your travel coordinator. This isn’t always a person, like a travel agent; did you book the hotel that’s flooded through Expedia? Was your cancelled flight purchased on the airline’s website? Usually companies will have a contingency plan for when things go wrong (the plan might be letting their customers handle it, but sometimes it includes things such as transport or a free hotel stay until the following day’s flight).

Contact your country of origin’s foreign aid office. If you’re having an emergency and don’t know where to turn or what services are available, it can be hard to know what steps to take. Contacting the foreign aid office, or embassy, of your home country for help connecting you with local resources. For example, the British embassy or consulate will provide details of English-speaking interpreters, help medical staff obtain your UK records, and provide information about local resources.

See if it’s not too late to get insurance. Insurance companies offer traveller’s insurance for people who are already travelling or in transit; it might not cover all of what’s already happened, but it could cover additional expenses (for example: a twisted ankle could mean cancelling concert tickets, which might be covered under your new policy).