How to Make a Travel Insurance Claim – A Step by Step Guide

How to Make a Travel Insurance Claim – A Step by Step Guide

Making a Travel Insurance Claim

Travel insurance is a type of insurance cover that protects travelers against unforeseen events and financial losses that might occur while they are traveling, or when they are just about to travel. Generally, travel insurance will include coverage for medical emergencies, trip cancellations or interruptions, lost or stolen baggage, and other unexpected events.

By purchasing travel insurance, travelers hope to mitigate the financial risks (losses) associated with travel disruptions or medical expenses abroad. Getting travel insurance certainly provides some peace of mind during travel.

However, what happens when something happens and you need to make a claim?
What is one supposed to do when they get to a point where, or when they actually need to be compensated, in the unlikely event that something goes wrong and they need some form of insurance reimbursement?

This article outlines the step by step guide to making a travel insurance claim.

Make sure you take your insurance policy number and the emergency contact details away with you. This is so you know exactly who to speak to first if you have a problem and it can be dealt with as quickly as possible. If you’re travelling abroad, check you’ve got the right phone number.

Guide to Lodging a travel insurance Claim

Navigating the intricacies of travel insurance can seem daunting, especially when you’re in a situation where you need to make a claim. After consulting with many insurance practitioners, we have crafted this guide to simplify the process for you. Here’s a step-by-step walkthrough on making a travel insurance claim:

  1. Review Your Trave Insurance Policy

Before initiating the trip insurance claim process, revisit your policy documentation. This will help you understand what is covered and what documentation or evidence might be required. Every policy has specific terms, conditions, and exclusions. Knowing these details can save time and effort.

  1. Act Promptly – Insurance Claims are time-bound

It’s essential to report any incident to your insurance provider as soon as possible. Many travel insurance policies have specific time limits for filing a claim after the incident occurs. You are best advised to contact the insurer as soon as the incident occurs.

  1. Gather Necessary Documentation

Your claim’s success often hinges on the documentation you provide. Depending on the nature of your claim, gather relevant evidence:

Medical emergencies: Medical reports, prescriptions, bills, and receipts.

Theft: A local police report filed within 24 hours of the incident.

Trip cancellations or interruptions: Documentation explaining the reason (like a medical certificate or official notice of flight cancellation).

Lost baggage: A report from the airline or transport provider, along with any receipts for emergency purchases.

Damage or loss of personal items: Receipts or proof of ownership, photographs of damage, repair quotes, etc.

  1. Make Contact With Your Insurance Provider

Reach out to your insurance company’s claims department. They may have a dedicated hotline or email for this purpose. Inform them about the incident and express your intention to file a claim. They will guide you on their specific process and provide you with a claim form if required.

  1. Complete the Claim Form

Fill out the claim form meticulously. It is important to ensure that all details concerning the incident or incidents in question are accurate and consistent with the supporting documentation. Any discrepancies that crop up when completing the claim form could easily lead to delays or complete denial of your trip insurance refund claim.

  1. Submit the Claim Form and Documentation

Once your form is complete, submit it along with all necessary documentation. This can typically be done online, via email, or by post, depending on the insurer’s preference. Keep copies of everything you send.

  1. Cooperate with the Claims Adjuster

Once your claim is lodged, the insurance company may assign a claims adjuster to assess it. They might ask for additional information, clarification, or documentation. Be truthful, accurate, prompt and cooperative in your responses. Most insurance companies will do their own investigations regarding any claim. Any contradicting information may end up delaying your refund. It could in some cases lead to complete denial of your claim.

  1. Stay Updated

Track the status of your claim. Most insurance companies provide a reference or claim number you can use to check on your claim’s progress. Don’t hesitate to contact them if you need updates.

  1. Receiving the Outcome

Once the assessment is complete, the insurer will inform you of their decision. If approved, they will process the payment, either by reimbursing you directly or paying the service provider. If your claim is denied, they should provide a valid reason for the decision.

  1. Appealing a Denied Claim

Your travel insurance provider may decline to honour your claim. If you believe your claim was wrongly denied, you have the right to appeal. Check your policy for the appeals process. It’s advisable to consult with a professional or legal expert if you’re considering this step.

  1. Document and Store

Once your claim is settled, store all related documents and correspondence in a secure place. This is essential for future reference, especially if there are any disputes or if you need to reference the claim for a subsequent trip.

Making a claim if you have to cancel or shorten your trip

If you need to make a claim because you’ve cancelled or shortened your trip, your insurer will only accept your claim if you have a good reason for doing this.

Reasons may include:

>Unexpected death, illness or injury of you, your partner or people travelling with you

>A fire, burglary or unexpected damage happens to your home

you’re made redundant

>You’re pregnant and are advised not travel after you took out the insurance

>You’re called for jury service or as a witness in court.

If you have to come home early, your insurer might have to only refund any extra travelling costs and the cost of any unused time in your holiday accommodation.


Making a travel insurance claim can be a straightforward process when you’re well-prepared. By understanding your policy, acting promptly, and maintaining open communication with your insurer, you can navigate the claims process with ease and confidence. Safe travels!

The post How to Make a Travel Insurance Claim – A Step by Step Guide first appeared on

Making a Travel Insurance Claim Travel insurance is a type of insurance cover that protects travelers against unforeseen events and financial losses that might occur while they are traveling, or…

The post How to Make a Travel Insurance Claim – A Step by Step Guide first appeared on

Team Insurepedia

Back To Top