Claim Documents | Travel Insurance (2024)

FAQs

What proof do you need for a travel insurance claim? ›

Documents you'll need to file a claim

Receipts for flights, hotels, activities and other expenses. Proof of payment for anything purchased related to a claim. Physician's Statement from a doctor if you have a medical issue. Police reports for stolen items or auto issues.

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

Some common claim documents include original policy documents, claim forms, certificates of death issued by Municipal corporations, proof of survival, age proof, hospital certificates and records.

This might include receipts, official reports, medical records, photos, or other required documents. Our claims experts will closely review these documents to fully understand your situation and confirm your losses, so it's important to gather as many details as possible.

Medical emergencies (59.8%) Needing to cancel a trip for an unforeseen reason (31.2%) Lengthy travel delays (5.7%)

The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.

There's no sure way to win a travel insurance claim. However, by making sure that you fill out your claim form accurately and completely and provide all supporting documentation to the insurance provider, your claim process will go smoothly.

Documentation to support the reason for the interruption of your trip. Copies of any Accident/Police/Incident Report(s) if claim due to an accident. Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

The more costly your trip, the more your provider will need to reimburse you for a valid claim, which increases the cost of your policy. In addition, plan costs will generally increase with age, as younger travelers may be less likely to file a claim than senior travelers based on overall health.

Medical Tourism, Medical Exclusions

Don't look to travel insurance for help with the hospital bills or aftercare. Medical tourism is a common exclusion. Elective procedures, mental health care, routine physicals and exams and physical exams are also usually not covered by travel medical insurance.

Does travelers insurance go up after a claim? ›

If you file a claim and we make a payment, it is very likely that your rate will increase at renewal. Because of the incident, you're likely to pay a higher rate for three to five years.

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.

The evidence provides proof or support of the claim being made. It can be in the form of research, data, quotes, or textual evidence from a piece of literature. It should not be a guess, assumption, or based on the writer's opinion. It should mention the source from where the evidence was obtained through a citation.