What documents do I need to submit for a travel insurance claim? (2024)

FAQs

What documents do I need to submit for a travel insurance claim? ›

Accident / Incident / Police / Irregularity Report providing details of the incident. Receipts for all claimed lost/stolen/damaged personal possessions or baggage. Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

Proof of Payment (How did you pay for the trip and the travel protection?) Check: photocopies of the processed checks (front and back). Cash: photocopies of the cash receipts. Credit Card: photocopies of the section of the monthly credit card statements showing all payments made for the travel arrangements.

Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.

When filing a travel insurance claim, your insurer will require you to provide documentation to substantiate your claim. Very often, the insurer will require copies of airline tickets, police reports, medical bills and reports, carrier irregularities report and original purchase receipts etc.

By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain.

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates.

Receipts and itemized bills for all expenses. Documentation of any refunds or expense allowances received from your tour operator, travel agency, common carrier, resort, property management company, or other entity. Copy of resort invoice/vacation rental contract or confirmation.

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

When you file a claim, you'll be asked to provide some basic details, such as where and when the accident or incident took place, contact information for everyone involved and a description of what happened. You might also be asked to give an estimated cost of the damage from the accident—if you have that available.

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company.

Can a travel insurance claim be denied? ›

Sometimes, a travel insurance company will list the reason for the denial. For example, you may need to provide more documentation for your claim. Those types of claim rejections are relatively easy to deal with as long as you have the right documentation.

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

Offered as an add-on to many insurance policies, this coverage lets you cancel your trip for a reason not covered within a typical trip cancellation benefit. If you need to use this coverage, you'll typically get 50% to 80% of your prepaid travel expenses refunded.

A trip can also go wrong. Travel insurance can't prevent snafus from happening, but it can help recoup at least some of your money if the unexpected derails your trip. That's where the claim process comes in.

For most travel insurance plans, you must file your claim within 90 days of the incident, also known as the timely filing limit. Submitting your claim outside the timely filing limit could result in your claim being denied.

Travel insurance with Trip Cancellation coverage will cover you if you, a traveling companion or family member come down with an illness before your trip and an in-person visit to a doctor certifies that you're too sick to travel.

A Proof of Claim is a written statement and any supporting documentation which describes the reason the debtor owes the creditor money. The claim must be filed using Official Form 410.

All travel insurance claims must be made within the specified timeframe detailed in your policy. Most companies state you must register a claim within 28 to 31 days of returning home, otherwise a claim cannot be considered.