Making a travel insurance claim can be a confusing process, but most insurance companies make it rather easy, because the more complex a claims process is, the harder it is for the insurance company to find a resolution. However, just because you’ve submitted a claim and followed all of the proper guidelines for paying a claim doesn’t mean that you’ll receive a payout. There are a number of situations in which a travel insurance company will not pay out on a claim, and understanding them is absolutely vital when trying to buy an insurance policy that provides you with an appropriate amount of coverage.
One of the major reasons that claims get rejected is that they’re submitted without the proper information requested by the travel insurance company. A policyholder may forget a certain receipt or invoice, and this can greatly reduce the chances of a positive result on a claim. A travel insurance claim should be carefully submitted with all of the relevant documents according to the process outlined in your travel insurance policy; even a slight misstep can stop your insurance company from paying a claim, so be sure to read carefully and double-check your claim before submitting it. With that being said, you should also try to submit your claim as soon as it’s necessary. This will increase the chances of a payout, as the insurance company will be able to verify various aspects of your claim more easily.
If your insurance company will not pay out on your travel insurance claim, be sure to find out why. Get an exact reason; by law, a travel insurance provider needs to tell you why your claim was denied, and they’re legally required to approve or deny your claim within a set time limit, usually no more than a month or so. Get as much information as you can about the claims’ denial and if the claim was denied due to a lack of proof, ask if you can resubmit it. Many insurance companies will allow this.
Finally, remember that if your travel insurance claim has been denied and you feel that your insurance provider is acting unfairly, you may have recourse. Contact your state’s insurance commissioner. Ask about your state’s laws for travel insurance, and consider filing a complaint. This may be the best way to get a resolution on a claim, as you’ll have the commissioner’s office working for you. Some travel claims are denied for very good reasons, but it’s best to make absolutely sure that your claim was legally dealt with after a payout has been refused.