How to File a Travel Insurance Claim

You took time to prepare for a trip and everybody was excited about it. Unfortunately, somebody feel sick forcing you to cancel the trip. Perhaps, you had already gone on a trip when one of you fell sick and you now have to see a doctor. You might have also missed a connection flight and had to spend a night somewhere. If you have a travel insurance policy, you should file acclaim.

Canceling a trip is frustrating. Nobody wants to have their vacation affected by a major snag. Things will be worse if you don’t know what exactly to do. If you want to make a travel insurance claim, there are things that you should do.

Read Your Travel Insurance Policy

This is the first and most important thing to do. Reading your travel insurance policy will help you know what exactly is covered and what is not. The coverage of every policy comes with limitations. It’s important to read the policy to ensure that the claim that you make is valid. If unsure, seek assistance.

Collect the Necessary Documentation

You need support for your claim. Therefore, collect all necessary documentation. For instance, if you cancelled your trip, get invoices, cancelled check, and credit card statements to show that you paid for the trip. If you cancelled the trip when you or somebody else feel sick, get a statement from your doctor. A letter from your employer or other form of proof will indicate your reason for canceling the trip.

In case of trip interruption, due to baggage or travel delays or even medical expenses, save receipts and use them as a proof of everything you paid.

Call Your Insurer

Let your insurer know that you intend to file a claim. You will be guided on what to do and how to do it. Hopefully, you will plan another trip or reschedule the trip for another date.

Nevertheless, your experience will be better when you have travel insurance than when your trip is cancelled or interrupted and you don’t have a cover.