10 Ways to Make Your Travel Insurance Claim Go Smoothly

Travel insurance can be an easy way to cover yourself in case of loss, damage, or theft while you’re on vacation. However, if you have an incident while traveling and you need to file a claim, you may be worried about dealing with your insurance company. These ten ways will help make your travel insurance claim go smoothly and easily, without fussing with your insurance company too much after your trip has ended.

1) Don’t Use Cheap Mobile Plans

A traveller’s mobile phone can be an essential tool, from booking flights and accommodation to keeping in touch with friends and family back home. However, travellers should only buy a local SIM card when they arrive at their destination. Local networks can sometimes cost less than international plans. If you must use your mobile on a network that doesn’t offer roaming charges, switch off data roaming so you don’t end up with an unexpected bill. Learn more about using your phone abroad on our website.

2) Arrive Early in the Morning

Once you make it to an airport, city or general area where you’re planning on filing a claim, try to arrive early in the morning. This will ensure that claims are processed as quickly as possible so that you can get back on your way as soon as possible. If you don’t arrive until late in the day, there’s a chance that some of your paperwork may not be processed until after closing hours and could end up being delayed by days or weeks.

3) Have All The Necessary Documents

Be sure you have all of your documents when traveling. This includes your passport, travel itinerary, insurance card and any other proof of payment or information. Without these items, you may find yourself stranded in a foreign country—and unable to process a claim for reimbursement. And if you’re using a digital device for travel plans, be sure it stays charged so that you don’t find yourself without access to important files!

4) Take Lots of Pictures

Accidents are much more likely to happen when you’re on vacation than they are at home, which is why it’s a good idea to be as prepared as possible for them. Take a picture of your car or any other valuables that might be damaged during your trip. If something does happen and you want to make a claim against your travel insurance, these pictures can help.

5) Stay Calm

It’s easy to freak out when you’re dealing with an insurance company, especially when money is on the line. However, if you keep your cool while working with them, they may be more likely to move forward quickly with your claim. Keeping a cool head can help smooth things over and get everything handled quickly so that you can focus on getting better instead of stressing about how much it will cost.

6) Don’t Underestimate The Power of Numbers

One of our top tips is a simple but powerful one—keep all of your receipts. Why? If you don’t, it can cause all sorts of confusion later on when you try to file a claim. The main thing is that travel insurance isn’t like regular health insurance; in fact, it’s not even considered insurance at all! Rather, it’s considered a prepayment for goods and services.

7) Never Skip On Shopping Around

Some people think that all travel insurance is created equal. Not so! There are many different types of policies out there, and if you don’t pay close attention to what you’re buying (and how much), you could end up with a hefty bill for a policy that doesn’t protect you. To make sure you get your money’s worth, it pays to shop around before purchasing.

8) Take An Independent Expert with You

You wouldn’t go into surgery without your own surgeon present, and you shouldn’t travel internationally without taking an independent expert along with you. If a problem arises with your insurance policy or with your claim, having an independent agent that can arbitrate on your behalf will help you get back on track quickly. Many of these agents are more than willing to negotiate on your behalf—but they can only do so if they have first-hand knowledge of your situation.

9) Contact All The Right People At Once

The first thing you’ll want to do after an accident is contact your insurance company and file a claim. Start by calling your agent or broker—don’t worry, you won’t be able to make a formal claim until you have documentation from a doctor or pharmacist.

10) Speak Up For Yourself

If you have a travel insurance claim you’re unhappy with, don’t be afraid to appeal or push back. If you encounter resistance, remind your claims representative that they are responsible for helping you get back what’s owed—not sending you away with less than what you paid for.


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