Travelling is one of the best things to reward yourself and keep you sane. Whether it’s just a weekend getaway or a 12-month trip, it gives you the opportunity to see the world at a different perspective. It breaks your daily routine, allows you to do things that you have never done, and opens doors for self-exploration. Travelling is one for the books, and you should do it, at least, once in your lifetime.
But it’s not always rainbows and butterflies. Travelling is also a challenging adventure as you can encounter different mishaps along the way. Things can go wrong, and when they do, having annual travel insurance policy can make the experience manageable and less hassle. To take advantage of it, here is how you can successfully make travel insurance claims.
Read Through the Policy Before Making a Claim
If you’re caught in a travel-related crisis, the initial action is to solve the problem as soon as possible. You want to get it fixed because it weighs you down if it remains unresolved. But that’s not going to work when you’re making insurance claims. The first thing you need to do is to take some time to read through your insurance policy. Find out if you have a valid reason to make a claim. It’s a basic step, but it’s helpful to ensure that your insurance providers won’t find a reason to reject your claim.
Report Incidents as Soon as Possible
As soon as you find out that your personal items are lost, or you suspect that they have been stolen, report the incident to the management (airline or hotel) and file a police report right away. It’s important to do it within 24 hours to keep up with the deadlines set by your insurance provider. Keep copies of the written reports and bring them to your insurer along with the copy of your insurance policy.
If you purchased the insurance policy online, save the police report to your mobile device for easy access when making travel insurance claims. If you need to make a claim for medical expenses, contact your insurance provider immediately. One common reason why medical claims get rejected is that travellers forget to report their medical issues while they’re still on a holiday.
Gather as Much Evidence to Prove Claims
The evidence usually consists of formal written reports of the incident from the police, airline, or accommodation, as well as original receipts or proofs of ownership, photos of the lost or stolen items, medical reports, and other documents that can support your claim. Failure to collect the necessary evidence may result in your travel insurance claims getting rejected.
Submit Claims Immediately
Unfortunately, there is time pressure involved in making insurance claims. Yes, it’s already frustrating to deal with the problems, but you have to keep in mind that insurance providers impose deadlines for the submissions. Late submissions may result in a rejection, but most companies allow a late if the cause of the delay is valid.
Don’t expect to be Reimbursed for Everything
Travel insurance doesn’t have coverage for everything. Don’t expect to receive compensation for every problem you encounter during your travel. So before deciding to cancel your travel plans or change your route due to flight delays, make sure that your policy has coverage for those incidents. You may end up spending more and getting nothing in return.