What is a Claim

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

A claim is a request for reimbursement from a travel insurance provider for expenses incurred due to an unforeseen event or incident. Examples of claims include medical expenses, lost or damaged baggage, or trip cancellation.

How to make a claim?

Travel insurance is an important part of any vacation and can provide financial protection in the event of an unforeseen emergency.

The claim process for travel insurance can be complex and time-consuming, but understanding how it works will help you get the most out of your policy.

From filing a claim to understanding the different types of coverage available, this guide will provide you with all the information you need to navigate the claim process with ease.

1. Contact your insurance company to initiate the claim process. This can be done either over the phone or online, depending on your insurer.

2. Provide all necessary information to your insurer, such as policy numbers, dates of coverage, and details about the incident.

3. Gather any evidence you may have related to the incident, such as photos, witness statements, or medical bills.

4. Submit the claim form along with any evidence or supporting documents to your insurer.

5. Await a response from your insurer, which will either approve or deny your claim.

6. If approved, your insurer will provide you with a settlement or reimbursement for the costs associated with your claim.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Is a travel insurance claim different from a general insurance claim?

Yes, travel insurance claims are different from general insurance claims.

Generally, travel insurance covers medical expenses, trip cancellations, lost luggage and other losses that could occur while traveling.

On the other hand, general insurance policies typically cover items like cars, homes, or businesses.

How does a travel insurance claim work?

A typical travel insurance claim usually follows a similar process.

First, the insured should contact their insurance provider as soon as possible to start the claims process. This will involve providing the insurer with all relevant information about the incident, including details of any witnesses, photos, and/or medical reports.

The insurer will then review the information and make a decision about the validity of the claim.

If the claim is accepted, the insured will be asked to provide additional documentation in order to support the claim. This may include proof of purchase, receipts, and other supporting evidence.

Once the insurer has reviewed all the necessary documents, they will decide whether or not the claim is valid. If so, they will send a check or direct deposit to the insured to cover the costs associated with the incident.

In some cases, the insurer may also request further documentation or contact the insured for additional information before making a decision. If this is the case, the insured should follow the instructions provided by the insurer in order to ensure a successful claim.

In the end, the process of filing a travel insurance claim can be quite lengthy and complicated. However, with patience and cooperation, the claims process can be successfully completed in a timely manner.