Can I get money from phone insurance company if I have lost my phone when I was out of country?

I have bought iphone 4 just 3 months ago and in last month I have to go to London for my final exams and there I lost my phone. I am from America and my phone insurance company is an American based company. So I am confused that will they give me money for losing my phone out of country? Or should I tell them that I have lost my phone here in America?

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