Just like any other insurance claim, filing a travel insurance claim can be a little intimidating as well. The claims procedures are not always simple. A travel insurance claim generally involves submission of documents, information review, calls to the insurance company and correspondence exchange.
First and foremost, you will have to check what is included and what is excluded from coverage. You should take the time to review the policy. You must write down all information that is relevant to the claims procedure, so that you can have a better conversation with the insurance representatives while filing a claim. You should have the policy number and other receipts readily available so that they can be produced upon demand.
You are advised to make a call only once you are prepared with all the policy details. You must try to gather relevant documents as soon as possible so that you can call the insurance company at the earliest to report the event. Once you have informed the insurance company about the event, you should fill out the required papers. You must make sure that the form is duly and accurately filled to avoid rejection. Rejection will only delay the entire process of compensation.
You should have all the receipts of the trip handy with you such as ticket stubs, dinner stubs etc. as evidence. it’s a must that you preserve these evidences until the claim is made. The documents required for the travel insurance claim may vary from one company to another. For instance, some claims may involve filing a police report as well. So, you need to check with the insurance company itself about the kind of documents they would need to consider your claim. There is no room for error when it comes to documentation. Most insurance companies may reject your application if you don’t supply required documents. For instance, for ticket compensation, you will need to produce the tickets, for lost luggage, you will have to provide the list of items included in the luggage and so on.
Customers should be aware about the reporting period. Most insurance providers require consumers to file a claim within a specific period itself from the event of loss. Some insurance providers may offer a period of few weeks, while others may offer a period of one month to file a claim. You will have to review your policy or call the insurance company to know about the exact period because if you file a claim after the due date, most insurance providers will reject your application without any consideration.