Okay, granted it's been a lonnng time since this happened - but I once lost all my Travelers Cheques in Nashville (yes lost, not stolen). I walked down to a nearby AmEx office and got them replaced reasonably quickly. Of course, I had the numbers in a different location than the cheques and all

Anyway, about ten years later I got a new $20 Travelers Cheque in the mail; apparently, I'd lost them IN the hotel, which was eventually torn down, and somebody located my original cheques and returned them to AmEx. I must have claimed one less than I was entitled to, so they replaced that one too!