Making a Claim on Travel Insurance

The primary purpose of getting a travel insurance policy is to ensure your protection if your trip fails to go according to plan. And this is crucial, especially when traveling solo because you might be alone without a way to go home. Also, you might not have a rep to assist in sorting out your travel problem. However, filing a claim on travel insurance requires the following tips.

• Don’t forget to take the emergency contact phone number and the travel insurance policy number when traveling.
• If you have an existing health problem, inform your insurer about it before taking the insurance cover. That way, you can ensure that your insurance policy covers it.
• If you encounter a problem while away, safeguard the receipts of everything you purchase to support the claim.
• Try to convince the insurer to agree to your medical treatment before you undergo it.
• Report stolen or lost belongings to the local police and get a case number within 24 hours of the event. If that’s not possible, tell the individual in charge about the place where somebody stole them.

Filing the Claim at Home

If you opt to file the claim on a travel insurance policy upon arriving home, bear in mind that you have a time limit. Also, your insurance covers you for what you claim. Additionally, know the amount in your excess or the amount the insurer can take off the claim. If you’re claiming an amount less than the excess, it’s not worth making.

Also, ensure that the terms and conditions of your insurance claim don’t have something that could hinder you from claiming. Nevertheless, contact the insurer as soon as possible, asking for the claim form. An insurer can email you the paper so that you can complete them and keep a copy. Also, include all paperwork necessary to help the claim, including medical certificates and receipts.