How do travel insurance claims work?

15th January 2019by Joanna White

When it comes to filing a travel insurance claim, there are many ways that you can go about doing it.

It can be said that claiming on your travel insurance policy is a long and thoroughly drawn-out process. While this can sometimes be the case, if you know how to file a travel insurance claim properly, then there should be no reason as to why you’re not successful.

In this guide you can find all the relevant information about how travel insurance claims work, as well as the ways to make a claim in order to be successful.

What you need to know – how do travel insurance claims work?

Travel insurance claims work in a very similar way to how you would claim on other types of insurance such as car insurance and home insurance.

You should be fully prepared to answer all the necessary questions asked by your insurer to ensure that they can fully process your insurance claim. It’s imperative to be as honest as possible and to provide your insurer with all the information that’s correct to the best of your knowledge in order to be successful when making your claim.

Ways to make a claim on your travel insurance

Just like with any other types of insurance, there are numerous ways to make a claim on your travel insurance policy.

Over the phone

Many people prefer to make their travel insurance claim over the phone as they like to speak to a representative of their insurance company, rather than doing it all electronically.

Filing a travel insurance claim over the phone may mean that you get to speak to someone to talk through your claim, but oftentimes you’ll be faced with incredibly long queues and may be put on hold for a long time. Often, you’ll also be required to file a claim via an online form anyway, so it can often be an unnecessary inconvenience to try and claim over the phone.

Online

In today’s digital age, it’s never been easier to make a travel insurance claim online. Each insurance provider will have a slightly different way in which they operate their claims system but most of the time, you will be required to fill out several forms online.

It’s also imperative that you provide your insurer with as much information as possible so that they can asses your claim much quicker and easier.

Via email

Making a claim via email is also becoming increasingly popular and will act in a similar way as filing a claim via an online form.

You’ll be required to attach copies of all the relevant data and information that you’re required to provide, such as receipts, medical bills, invoices and statements of proof to help support your claim.

Through the post

You can often make a claim on your travel insurance through the post by sending your insurer all the relevant information that they require to process your claim.

However, this could be a long process as there will be a lot of back and forth correspondence between you and your insurance provider to ensure that all the date you’ve supplied is correct and can be supported by various sources.

What information do you need to provide your insurance provider with?

When in the process of making a claim on your travel insurance, you will need to provide your insurer with as much information as possible to help them process your claim much quicker.

The more relevant information that you supply them with, the easier it is for them to action your claim as they will be able to effectively asses your situation and determine whether you are liable to receive compensation for your claim.

  • Statements from relevant sources supporting your claim; witnesses, doctor’s notes etc
  • Any relevant receipts of purchases that you need to claim back
  • Your travel itinerary (in some cases)
  • Accident/incident reports from your hotel, airline or the police
  • Copies of relevant invoices

Conclusion – how do travel insurance claims work?

Travel insurance claims work very similar to other types of insurance claims; you will be required to gather as much information about your situation as you can in order to provide your insurer with all the correct and relevant data to support your claim.

Making a claim on your travel insurance isn’t often a quick and easy process, and you could end up waiting weeks or even months for your claim to be processed. It’s important to be patient when making a claim however, and make sure you have as much detailed information as possible to supply your insurer with to help speed up the process.

You may wish to check our review on Marks & Spencer Travel Insurance and read their terms on how to make a travel insurance claim.