Making a travel insurance claim
- When you travel, take your insurance policy
documents with you.
- Make a separate note of your insurance policy
number and the emergency contact telephone number of your insurer in case you lose
- Keep receipts of anything you need to purchase
to support your claim.
- When medical treatment is required, if possible, get your
insurers agreement before it is carried out.
- Disclose existing
health problems when you take out your insurance.
- Report lost or stolen items to the local
police as soon as possible, ideally within 24 hours.
Before making a claim
policy covers you for what you are claiming for
time limit for claiming has not expired
excess on your policy (the amount
you have to pay towards any claim you make)
Also, make copies of any paperwork (e.g. police reports, receipts,
medical certificates) you’ll be submitting with your claim. Send the originals
and keep the copies for your records.
You may have a choice between making your
claim online or filling out and mailing a claim form provided by your
insurer. Using email may speed up your claim.
Whichever method you use, be sure to
keep a copy.
Making a claim for lost, stolen or damaged items or luggage
your claim as soon as possible after returning home.
your insurer to ask for evidence that you took reasonable care of your
all lost, stolen or damaged belongings to the local police within 24 hours.
When this is not possible, tell an appropriate person such as your tour
representative or hotel manager and ensure they make a written report and give
you a copy.
receipts of any essential replacement items you need to buy to submit with your
Making a claim for medical emergencies and personal
your insurer immediately. Unless emergency medical treatment is required, try
to get them to agree to the treatment before it is given.
receipts for any treatment that requires payment up-front and for any
you failed to disclose a pre-existing health problem that you need treatment
for while you are, you may not be covered for this problem.
sure that you take all regular medication you need with you. Your insurer may
not cover the cost of this if you run out while you are away.
you are pregnant when travelling, take note of the requirement of your policy,
particularly if you are flying. Your insurer may not permit you to fly within a
given time of your due date.
a claim if you have to cancel or shorten your trip
make a claim for a cancelled or shortened trip, you will need to provide
evidence of having a good reason for doing so. Permitted reasons may
death, illness or injury to you, your partner or people travelling with you
death, serious illness or serious injury to a close relative at home
damage to your home, e.g. a fire, a flood or a burglary
are called for jury service or as a witness in court
you have to come home early, keep receipts of any extra travelling and
accommodation costs incurred in getting home.