If you want to claim on your travel insurance, you should first submit a report to the proper authorities within 24 hours of the incident occurring. To validate your travel insurance claim, you may need to provide medical receipts, bank statements or reports from the airport, police or other relevant authorities.
The next thing you should do is contact your insurer. It’s recommended you get in touch as soon as possible and tell them about the incident. They can guide you on what you’ll need for your claim and direct you to medical facilities or local embassies if needed. Your Certificate of Insurance will include a contact number, hours of operation and details on how to make a claim, so it’s useful to keep this on hand.
Lastly, you’ll need to submit your claim, which can be done either while you’re on your trip or when you get back home, but be aware that insurers may mandate a time frame within which you can claim. This will involve submitting any relevant reports or documentation online or by post, fax, or email.
Keep in mind that you may need to pay an excess when making a travel insurance claim (the amount will differ per 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.