If you want to claim on your travel insurance, the first thing you should do is submit a report to the proper authorities (i.e. local police for theft) when the incident occurs. To validate your travel insurance claim, you may need to provide medical receipts, or a report from the airport, police, or proper authorities.
The next thing you should do is contact your insurer. It is recommended you get in touch as soon as possible (i.e. while you’re still on holiday) and tell them about the incident, as they can guide you on what you’ll need for your claim and direct you to medical facilities or local embassies if needed. Your policy documents or your Policy Disclosure Statement (PDS) should have a contact number, hours of operation, and details on how to make a claim. It’s important that you’re prepared on your trip by knowing how to contact your insurer and what times you can contact them (by keeping this contact number on hand, either stored on your phone or written down and kept safe with your travel documents).
Lastly, you’ll need to submit your claim which can either be done while you’re on your trip or when you get back home. This will involve compiling any relevant reports or documentation which you should be able to submit by post, fax, email, or online (depending on your insurer). Keep in mind, you will need to pay an excess when making a travel insurance claim (the amount will differ per policy). For example, if your $350 pair of sunglasses is stolen on your trip and your excess is $100, you will have to contribute the $100 excess from your settlement payout, after which your insurer will reimburse you the balance of $250 for the glasses. The same goes for medical expenses and whatever else is covered on your policy.
Your claim shouldn’t take long to process, but that will depend on how complicated it is, and what is stipulated on your PDS. After you’ve submitted your claim, your insurer should contact you periodically to keep you updated on its progress. Learn more about how to claim on your travel insurance.