All You Need to Know About Travel Insurance Claims

Travel insurance is one of the most common types of insurance that individuals purchase and raise claims. The policy coverage includes medical emergencies, trip cancellation cover, checked-in baggage cover and more.

However, you must know how to file your international travel insurance claim to make the most of your policy. We have created a detailed travel insurance claim guide to help you navigate the process.

Travel Insurance Claim Process: Step-by-Step Guide

If you are filing a flight delay insurance claim or any other travel insurance claim, you must follow the below steps-

Notify Your Insurance provider

Suppose anything goes wrong while on a trip; you must immediately inform your insurance provider. While the typical deadline is between 30 to 40 days; it is best to file your travel insurance claim as early as possible.

Inform The Police and Obtain Necessary Documents

If you become a victim of a crime or your belongings get stolen while on a trip, you must inform the local police immediately. They will provide the FIR copy or case registration number, which you must submit to your travel insurance provider. Without a copy of the document, your insurer might not approve your travel insurance claim.

Prepare Necessary Documents For Travel Insurance Claim

Keeping all required personal documents with you while travelling overseas is highly advisable. All these documents will be useful if you file travel insurance claims while in a foreign land. Along with these, gather all your claim-related documents to ensure a smooth and hassle-free process.

Submit Travel Insurance Claim

For the final step, submit the travel insurance claim form and the required documents to your insurance provider for evaluation. Based on this evaluation, your insurance claim will be determined and processed.

Travel Insurance Claim Settlement

After your insurance provider carefully verifies the requested travel insurance claim, they approve or reject it. In some cases, they might also request additional documentation. Once approved, your insurer will pay the necessary travel insurance claim.

Documents Required To Claim Holiday Insurance

Below are some documents commonly required for a travel insurance claim-

• For every claim, you will be required to submit the original boarding pass or ticket, a copy of the passport, including the trip dates, and the completed insurance claim form.
• You must also submit original bills, vouchers, reports, and discharge summaries for all insurance claims.
• The police report filed within the first 24 hours of becoming aware of the robbery must be submitted.
• In case of travel insurance claims related to personal liability, you must submit proof of a judicial decision ordered by the Court.

Tips to Ensure a Successful Travel Insurance Claim

• Inform your insurer about any medical emergency or hospitalisation as soon as possible.
• Assess the claim settlement ratio of the insurance company from which you purchase a travel policy. A high travel insurance claim settlement ratio will increase the chances of a successful claim.
• Ensure you follow your insurance company’s correct travel insurance claim process, which is mentioned in the policy document.

To Wrap It Up

A travel insurance policy can be a significant investment. To maximise its benefits in emergencies, inform your insurance provider on time, complete the travel insurance claim form properly and share all necessary information. This ensures you get the most out of your travel insurance policy.