FAQs
Documents you'll need to file a claim
Receipts for flights, hotels, activities and other expenses. Proof of payment for anything purchased related to a claim. Physician's Statement from a doctor if you have a medical issue. Police reports for stolen items or auto issues.
Is it worth claiming on travel insurance? ›
Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.
What are the claim documents? ›
Some common claim documents include original policy documents, claim forms, certificates of death issued by Municipal corporations, proof of survival, age proof, hospital certificates and records.
How does travel insurance verify claims? ›
This might include receipts, official reports, medical records, photos, or other required documents. Our claims experts will closely review these documents to fully understand your situation and confirm your losses, so it's important to gather as many details as possible.
What is the most common travel insurance claim? ›
Medical emergencies (59.8%) Needing to cancel a trip for an unforeseen reason (31.2%) Lengthy travel delays (5.7%)
Why travel insurance claims are denied? ›
The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.
How do I win a travel insurance claim? ›
There's no sure way to win a travel insurance claim. However, by making sure that you fill out your claim form accurately and completely and provide all supporting documentation to the insurance provider, your claim process will go smoothly.
Does travel insurance ask for proof? ›
Documentation to support the reason for the interruption of your trip. Copies of any Accident/Police/Incident Report(s) if claim due to an accident. Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.
What are two disadvantages travel insurance? ›
The more costly your trip, the more your provider will need to reimburse you for a valid claim, which increases the cost of your policy. In addition, plan costs will generally increase with age, as younger travelers may be less likely to file a claim than senior travelers based on overall health.
What does travel insurance not cover? ›
Medical Tourism, Medical Exclusions
Don't look to travel insurance for help with the hospital bills or aftercare. Medical tourism is a common exclusion. Elective procedures, mental health care, routine physicals and exams and physical exams are also usually not covered by travel medical insurance.
If you file a claim and we make a payment, it is very likely that your rate will increase at renewal. Because of the incident, you're likely to pay a higher rate for three to five years.
What are proofs of claim? ›
A Proof of Claim is a written statement and any supporting documentation which describes the reason the debtor owes the creditor money. The claim must be filed using Official Form 410.
What are 3 important things to do when you file a claim? ›
Here are some important steps to take in order to file your insurance claim.
- Step 1: Call the Police if Necessary. ...
- Step 2: Document Everything and Exchange Information. ...
- Step 3: Contact Your Insurance Company. ...
- Step 4: Filing Your Insurance Claim.
What kind of information helps prove a claim? ›
The evidence provides proof or support of the claim being made. It can be in the form of research, data, quotes, or textual evidence from a piece of literature. It should not be a guess, assumption, or based on the writer's opinion. It should mention the source from where the evidence was obtained through a citation.
What do I need in my travel insurance? ›
The policy should include cover for:
- medical expenses. ...
- all your intended destinations.
- all your planned activities such as adventure sports, climbing, skydiving, winter sports, scuba-diving and other water sports.
- everyone travelling in the group.
- lost or stolen baggage and belongings.