Traveling can be hectic and stressful enough, what with the delays, rush and crowd, which can spoil a good vacation or put more stress before a business trip. If you have just purchased a new travel insurance policy or have never called upon your policy before, here is what you need to know about making a travel insurance claim. First of all, most travel insurance gives you 24/7 assistance; take advantage of it. Whether you have misplaced your bags, have an injury while traveling or are suddenly find yourself battling a disease which will prevent you from making your trip; one of the first things you should do is contact your insurance company. The travel insurance company can arrange for medical care and provide other assistance. Contacting them ASAP helps speed the claiming process along.
Depending on the issue you encounter, you will need certain documents for verification purposes. It is very important that you insist on these papers and keep them safe, as it might be almost impossible to process a claim without them. In the case of missing or stolen baggage, you will need a police report, or hospital bills/reports for medical emergencies or official documents from the airline in the case of a delay or cancellation. If you are not sure what documents will be needed, you can call up your insurance agent and find out.
Filing a claim is mostly about paperwork, filling it in correctly and professionally. It might be a good idea to hang on to any receipts, bills and other documents; as insurance companies love a well-documented paper trail, as it saves them a lot of hassle, which means they are more likely to process your claim immediately. You should call up your agent to confirm any doubts you may have, and also make sure that you are using the correct form. According to several reports, about 8 in 10 people have their claims approved quickly; which is good news for you.
Once you have submitted all the paperwork, you will be given a claim number for your travel insurance claim. New travel insurance companies allow you to track this claim number online so that you can see the status of your claim. Although it can be a long wait, you have to remain patient. When an accident or mishap happens; keep calm. Make sure you have your facts straight as you call your company and decide the best way to handle the situation. Be sure that you have read your policy properly, so that you know if your problem is covered. Keeping your cool can be difficult during a stressful trip, but it can help you solve your problem easily and quickly.