How to File a Travel Insurance Claim: A Step-by-Step Guide

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If something goes wrong on a trip, a clear process can make a claim easier. Always follow the instructions in your policy.

During the trip

Contact the insurer or assistance line early, especially for emergencies. Some plans require notice or approval before certain care
Keep copies of every document and receipt
Get written reports when relevant, such as an airline delay report or a police report for stolen items

Documents you may need

Your policy number and trip details
Receipts, invoices and proof of payment
Medical records and bills, if applicable
Proof of the event, such as an airline or hotel letter

After the trip

Fill out the claim form and submit it by the deadline stated in your policy
Include all supporting documents
Keep a copy and note the date you submitted it
Follow up if you do not hear back within the time your insurer states

Tip

Read the claims section of your policy before you travel, so you know the deadlines and the documents you need.