Travel Insurance Claims

Purchase travel insurance as soon as you make your first trip payment, especially for non-refundable expenses like flights or tours. Early purchase may provide additional benefits like pre-existing condition coverage and cancel-for-any-reason options. Some benefits, like trip cancellation coverage, only apply if insurance is purchased within a specific timeframe after your initial booking. Compare policies carefully and understand coverage waiting periods and exclusion periods.

For trip cancellation claims, provide original booking confirmations, cancellation notices from travel providers, proof of non-refundable expenses, medical documentation for illness-related cancellations, employer verification for work-related cancellations, and any relevant receipts. Maintain chronological documentation of events leading to cancellation. Contact travel providers immediately to understand cancellation policies and obtain written confirmation of changes. Document all communication attempts and preserve all original documents and receipts.

Travel insurance medical coverage typically covers emergency medical treatment, hospitalization, and medical evacuation. Contact the insurance company's assistance hotline immediately for medical emergencies, as they can coordinate care and payments. Keep all medical documentation, prescriptions, and receipts. Understand coverage limitations and pre-existing condition exclusions. Some policies require notification within specific timeframes. Know your policy's emergency contact information and keep it accessible during travel along with your insurance card and policy details.

Trip interruption coverage typically covers additional transportation costs to return home, unused portion of prepaid expenses, and accommodation expenses if you must cut your trip short. Covered reasons usually include illness, injury, death of family members, natural disasters, and other specified events. Document interruption reasons thoroughly and obtain written confirmation from travel providers. Understand coverage limits and requirements like reasonable efforts to continue travel when possible. Contact your insurance company as soon as interruption becomes necessary.

For lost or stolen belongings, file a police report immediately for theft claims, obtain written confirmation from airlines or travel providers for lost luggage, document all lost items with descriptions and values, provide original receipts or proof of ownership for valuable items, and keep any temporary replacement purchase receipts. Submit claims promptly and include all required documentation. Understand coverage limits and per-item maximums. Consider purchasing additional coverage for high-value items like electronics or jewelry.

Common exclusions include pre-existing medical conditions (unless covered by waiver), pregnancy-related complications, participation in high-risk sports or activities, acts of war or terrorism, non-emergency medical care, alcohol or drug-related incidents, and travel against government advisories. Review your policy carefully for specific exclusions and limitations. Some exclusions may be waived with additional coverage or riders. Understand what isn't covered to avoid unexpected claim denials and consider purchasing additional coverage for specific risks.

Claim filing deadlines vary significantly by insurer and claim type but typically range from 30 days to 90 days after your trip ends or loss occurs. Medical claims may have different deadlines than baggage or trip cancellation claims. Some policies require notification within specific timeframes like 24 hours for medical emergencies or baggage loss. Contact your insurance company as soon as possible after any incident to understand requirements and deadlines, as these vary considerably by provider and situation. Keep copies of all claims and correspondence for your records and always check your specific policy for exact requirements.