Even though traveling can be one of the most fulfilling things in the world, it’s always a good idea to have travel insurance in case things don’t go exactly as planned. If you want to file a travel insurance claim, there are several things to be aware of to make the process go smoother.
Adhering to these practices when it comes to filing a travel insurance claim can give you the best chance of actually receiving the compensation that you are entitled to. No matter whether you’re taking a grand international vacation or just a weekend road trip across several state lines, the following tips can assist you with your claim filing.
Know Your Coverage
No matter which travel insurance plan you purchase, you will definitely want to make sure that you have a thorough understanding of the offered benefits and coverage levels. Most travel insurance Description of Coverage certificates will start with a summary of benefits that show the various benefit line items and maximum coverage levels or covered reasons for those benefits. In addition to the initial summary, each benefit is specifically outlined with full coverage details later in the certificate. In addition, the certificate offers a definitions section to define the various terms, and an exclusions section which discusses events that are excluded under the policy.
When comparing and buying travel insurance on TravelInsurance.com, you can click on any benefit to launch a window with coverage details, definitions and exclusions in addition to being able to download the full Description of Coverage (certificate) prior to purchase.
Documentation is key when it comes to receiving a payout for covered situations during your travels. Even if you are fully entitled to the benefits of a travel insurance claim, you can wind up with a claim denial if you don’t have the documentation to back your claim up.
For example, if you are filing a claim for trip cancellation for a covered reason under the policy, you will need to provide receipts and credit card statements showing that you actually paid for the flights, hotels and other trip related costs that you are claiming against. Without this information, the insurer has no way to verify that you actually paid for the trip costs.
If you are filing a claim for a stolen personal effect during your travels, you should make sure to save the documentation provided by the local police (when you reported the theft) so the insurer can validate that the event actually happened. You might also want to take pictures of all of the items you are packing for your trip, just before you pack them.
Medical Related Claims
If you experience a medical event or emergency during your travels, you’ll definitely want to ensure that you have a medical professional’s explicit recommendation for any medical services or operations undertaken. No matter how minor a medical matter may seem at first glance, make sure that you get documentation from the medical provider to supply as proof. Having the recommendation of a licensed doctor or medical professional (even if abroad) can ensure that your insurance company can actually verify that any medical services necessitated on your travels were legitimately necessary for you to receive. The documentation should include the doctor’s write up as well as an outline of the costs incurred and paid.
By following the above basic principles, you’ll have an easier time submitting a claim, and will more than likely be satisfied with the outcome.