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Travel insurance claims

How do I claim on my travel insurance?

Jake Edmonds
Written by  Jake Edmonds
9 min read
Updated: 30 Jan 2024

Travel insurance policies offer peace of mind in case your holiday doesn’t go to plan – but it’s still important to get the claim process right

Making a successful travel insurance claim

When it comes to travel insurance, being prepared is half the battle. Knowing how to file a claim can make the difference between a smooth reimbursement process and a frustrating experience. Here's a guide to help you navigate the claims process with confidence:

Know your coverage

  • Familiarize yourself with your policy details to understand what is and isn't covered.

  • Check for any exclusions that might affect your ability to claim.

Initiate the claim process

  • Reach out to your insurer at the first sign of trouble.

  • Keep a log of all interactions, including dates, times, and names.

Document everything

  • Save all receipts and document expenses related to your claim.

  • Organize correspondence and notes to streamline the process.

woman on the phone with a laptop and mug in front of her

Step-by-step: filing your travel insurance claim

Claiming on your travel insurance requires attention to detail and prompt action. Follow these steps to ensure your claim is handled efficiently:

Secure your documents

  • Keep your travel insurance policy and emergency contact information accessible at all times.

  • Store digital copies of your travel documents in a secure, easily accessible location.

Report incidents promptly

  • Notify your insurer immediately when an incident occurs.

  • Report thefts to the local police within 24 hours and obtain a report for your records.

Gather supporting evidence

  • Collect any evidence that can substantiate your claim, such as photographs or witness statements.

  • Always provide accurate information to avoid compromising your claim.

Pre-trip preparations

Before you even set foot out the door, take preventive steps to support potential future claims:

  • Photograph Your Valuables: Snap pictures of your belongings, especially expensive items, and email them to yourself.

  • Backup Receipts: Keep photocopies of receipts for any valuables you're bringing along.

  • Duplicate Important Documents: Make copies of your insurance policy, identification, and travel itinerary. Keep a set with you and leave another with a trusted contact back home.

Understanding the claims process

The time it takes to process a claim varies by insurer and situation. Acting swiftly and providing thorough documentation can help speed up the process. Remember that there are coverage limits, and you'll be responsible for any costs that exceed your policy's maximum payout.

Specific claims scenarios

Different situations call for different approaches when making a claim:

Lost, stolen, or damaged belongings

Lost baggage claims should be your airline's responsibility initially. If they fall short, your travel insurance might pick up the slack. For theft, particularly of gadgets, notify both the police and your insurer within the stipulated timeframe.

Medical emergencies

Contact your insurer as early as possible, especially before incurring any medical expenses. Keep a detailed record of treatments and associated costs for reimbursement.

Flight disruptions

Delayed or cancelled flights usually fall under the airline's jurisdiction for compensation, not your travel insurer's.

Cancellations

For cancellation claims, your policy will typically cover only specific unforeseen events that prevent you from traveling, such as illness or jury duty.

Specialized activities

If you're engaging in high-risk activities, such as winter or water sports, make sure your policy includes special coverage for these pursuits.

Dealing with claim rejections

Claims can be denied for various reasons, including failure to meet deadlines, inadequate coverage, or lack of necessary documentation. If you feel your claim has been unjustly rejected, don't hesitate to appeal to your insurer or escalate to the financial ombudsman.

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Finding the perfect policy

The key to a stress-free claim experience is choosing the right policy from the start. With MoneySuperMarket, comparing travel insurance quotes is straightforward. Input your travel details to receive a tailored list of options, ensuring you find a balance between cost and comprehensive coverage.

If you’re heading to a destination to which the Foreign, Commonwealth & Development Office (FCDO) have advised against travelling, you won’t be covered by your insurer.

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