You might be wondering.
What Can You Claim For?
- Lost or stolen possessions
- Medical expenses
- Lost baggage
- Cancellation / If your trip is cut short
Making A Claim
Let me show you:
- Contact the insurance company that issued your policy as soon as possible. This is usually done within 24 hours of a loss or delay occurring and will allow them to start the process sooner than later, so you can claim what’s rightfully yours!
- Fill out any necessary paperwork (this varies depending on the situation), such as when and how emergency services were provided, what diagnosis was given for medical treatment, and so on.
- Keep all receipts or evidence for future reimbursement1 purposes
What Happens After I Have Claimed?
You should hear back within 30 days of making a valid claim about whether any reimbursements are being granted.
In addition to that,
You may also find that if your trip is cut short by sickness, injury or death, some money may be paid out in advance when you buy travel insurance2 (this varies between different providers).
Should anything happen during your vacation that leads to a claim, you should consider reporting this as soon as you return home.
If you have a flight that has been delayed for more than 12 hours, then you are entitled to either 300 Euros or 400 USD (depending on the price of your ticket)
You can check and see whether an airline’s flights are covered by insurance using their website or customer service.
If you want to make a claim, call the airline’s hotline or fill out the online form.
Report the loss of your baggage as soon as possible to get compensation.
You will need a detailed description and serial number, if applicable, the approximate value of any contents in your luggage, when you checked in for your flight, and at what time it was lost or damaged.
If you have lost your luggage during a flight and it is not found within seven days of the reported date, then you are entitled to up to 1000 Euros or 1350 USD.
If your baggage is delayed more than 12 hours, then you are entitled to up to 250 Euros or 350 USD.
Baggage Delay As A Result of Natural Disaster: If your flight was canceled due to a natural disaster and the airline was not able to return all checked-in luggage within 24 hours after the scheduled time for the arrival of the flight, then you are entitled to up to 1000 Euros or 1350 USD.
Baggage Delay As A Result of Terrorism: If your baggage was delayed more than 12 hours and it is not delivered within seven days following notification by the airline that such delivery has been attempted but failed due to an act of terrorism, then you are entitled to up to 250 Euros or 350 USD in compensation.
Trip Cancellation Or Curtailment
You should contact your insurer as soon as possible, in which they will confirm the cover and the small print.
The insurance company may provide a refund for any unused services or products, including flights and accommodation expenses if you have to cancel your trip before traveling due to illness, injury (or death of immediate family member), or natural disaster.
The best way to claim medical expenses is by sending your receipts or invoices. Travel Insurance companies will reimburse for reasonable emergency medical treatment costs, including services such as a doctor’s examination and prescription drugs.
I can explain,
Suppose you are injured or become ill during your trip. In that case, it is essential to know that only the most necessary medical expenses may be covered by insurance – more expensive treatments like surgery might not be reimbursed.
Theft of Personal Items
If something is stolen from you during your trip, file a police report as soon as possible.
Theft of Money and Documents – if it has been less than seven days since the robbery was reported to the authorities, then up to 1000 Euros or 1350 USD may be reimbursed for these items only. If more than seven days have passed since the theft, only up to 200 Euros or 300 USD may be refunded.
Theft of Baggage – if it has been less than seven days since the robbery was reported to the authorities, then up to 1000 Euros or 1350 USD may be reimbursed for these items only. If more than seven days have passed since the theft, only up to 200 Euros or 300 USD may be refunded.
If you lose your passport, contact the nearest police station with a copy of both sides of your national ID card and await instructions from them on how to proceed.
What If Your Claim Is Denied?
In some cases, you may find that the claim is denied. For example, this might be because your insurance company does not cover certain items or has been rejected on moral grounds.
If this happens to you, contact your travel insurer as soon as possible and ask what steps can be taken next to appeal their decision. If necessary, refer to your policy documentation for more information.
If the refusal is due to you not filling in a form correctly, this can be remedied by completing the missing section and sending it back off again.
How Do I File a Travel Insurance Claim?
You will need your policy number, which you can find on the back cover or inside from where it was issued to you.
If an incident happens and you can make contact with someone at the company, that would be great because if you are not able to contact someone at the company, it is possible to file a claim by calling or emailing them.
The travel insurance company will require evidence of what happened before they give out any money. This may include photos, receipts, and doctor’s reports for injuries sustained during the incident as purchasing.
What Does a Travel Insurance Policy Cover?
- Travel insurance policies typically cover:
- Trip delay
- Medical expenses injury or illness (including emergency evacuation)
- Lost, delayed, or damaged baggage and personal effects
- Missed connection to another flight or cruise
- Emergency medical expense
- Death (including accidental)
When Should I File a Travel Insurance Claim?
It is best to file a travel insurance claim as soon as possible.
How Long Does It Take to Get Money Back From Travel Insurance?
It usually takes two to five weeks for claims to be processed. However, some policies have a higher payout limit and can be done in as little as 48 hours.
Be sure to read the terms and conditions of any travel insurance you are considering. This is so that you can get cover for your needs without paying over the odds or misunderstanding what exactly it does and doesn’t cover. It will also give you a better understanding of whether this specific policy suits your needs to avoid any unwanted surprises.