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What To Do When Filing a Travel Insurance Claim
March 1st, 2018

What To Do When Filing a Travel Insurance Claim

One of the last things you want to do while on vacation is to have to file an insurance claim. And if you think that would put a damper on your trip, imagine if the claim were denied. Considering up to 10% of travel insurance claims are turned down every year, it’s definitely a possibility, but one that can be greatly minimized if you’re prepared ahead of time. In order to help you circumvent any possible issues should the unthinkable happen, we’ve compiled this guide to filing an travel insurance claim the proper way!

1. Choosing the right insurance
Your insurance claim is only as good as the insurance that’s backing it, so do some research on travel insurance before you even book your trip. When you’re ready to get quotes, make sure to download a couple of different policies and read through each thoroughly before making a final decision. Be aware of sections such as pre-existing conditions and read those with a fine-tooth comb. These can be tricky. You personally may not have any issues that you would think qualify as a “pre-existing condition”, but you’d be surprised by the wide criteria that insurance companies use. For example, if you have a pregnant daughter who goes into labor, some insurance companies can deny your claim as a “pre-existing condition” if it prevents you from traveling. If you’re reading through your policy and you have any questions at all, call the provider to clear it up before you travel. You will want to know what coverage you have before you leave for your vacation so there are no misunderstandings. You’ll also want to choose an emergency contact and provide them with your insurance information just in case they need to file a claim if you’re unable to do so expediently.

2. Before you file
Once you know that you’re going to need to file an insurance claim, ensure that you document everything. Jot down the names of any customer service reps you speak to and keep all receipts organized and in a safe place to make the process as smooth as possible. If you are on vacation and need medical services, be certain that they’re absolutely necessary. Most travel medical insurance policies only cover true emergencies. If you’re just feeling under the weather, try to ride it out. But if you do find that you need medical services, call your insurance provider immediately, preferably before you even head to the nearest emergency medical center so they can walk you through the correct steps. If your claim involves a crime, file a police report immediately and pay for a copy of the report for your records (just in case the insurance company misplaces the original.) Also, determine whether you need to file through any of your personal insurance providers first, either homeowners or personal health insurance. Your claim could get lost in insurance purgatory if you file through the wrong company first, so verify which insurance should be the primary contact in case of an emergency.

3. When you file
If you need to file a claim, try to do so as soon as possible. The customer service representative can walk you through the correct process. If you wait too long, you may make mistakes or miss crucial steps that could result in the claim being denied. On that same note, don’t try to handle anything on your own. If you find yourself stranded somewhere, call your insurance provider immediately and they will handle your emergency preparations for you or walk you through the steps you’ll need to take. You’ll risk your claim being denied if you set up your own arrangements, like a hotel or rental car, even if you keep all receipts and documentation. When you begin the process of filing the paperwork, you’ll want to confirm that you have all of the documents required for your claim and that necessary components are dated. This handy guide will help you figure out exactly what you’ll need for the major types of claims. Also, keep the golden rule in mind. Even if you’re frustrated, please remember that insurance representatives are doing their jobs to the best of their abilities, so always remain polite, calm and kind when interacting with them. You’re apt to get a much quicker and more satisfying outcome if you use proper manners.

KIMBERLY BEARD

What documentation is necessary when filing a claim?

Note: The following is only a brief description of the travel insurance coverage. The policy may contain reductions, limitations, exclusions, and termination provisions. Coverage may not be available in all states or outside the U.S. Please refer to your specific DOC.

Trip Cancellation
Trip Cancellation provides reimbursement for non-refundable, prepaid trip payments and deposits if a trip is cancelled due to a covered reason.
Required Documentation
 Documentation to support the reason for the cancellation of your trip.
*** For claims due to medical reasons, a completed Medical Certificate claim form will be required. ***
View Medical Certificate claim form
 Copies of any Accident/Police/Incident Report(s) if claim due to an accident.
 Trip Invoice/Confirmation showing details of Trip (what/where/when), value of claimed trip component, and airline e-ticket and confirmation/reservation numbers
 Proof of payment for claimed expenses (Paid Trip Invoice, Credit Card, and/or Bank Statement)
 Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

Trip Interruption
Trip Interruption / Missed Connection provides reimbursement for (1) unused, non-refundable, prepaid trip payments and deposits, and (2) additional transportation expenses to reach Destination or Home if a trip is interrupted for a covered reason.
Required Documentation
 Documentation to support the reason for the interruption of your trip.
*** For claims due to medical reasons, a completed Medical Certificate claim form will be required. ***
View Medical Certificate claim form
 Copies of any Accident/Police/Incident Report(s) if claim due to an accident.
 Trip Invoice/Confirmation showing details of Trip (what/where/when), value of claimed trip component, and airline e-ticket and confirmation/reservation numbers
 Proof of payment for claimed expenses (Paid Trip Invoice, Credit Card, and/or Bank Statement)
 Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

Trip Delay
Trip Delay provides reimbursement for additional meal and accommodation expenses when a trip is delayed 24 or more hours due to a covered reason.
Required Documentation
 Travel itinerary showing all details of insured Trip (when/where/what)
 Receipts for claimed for additional meal and accommodation expenses.
 Common Carrier or another report which verifies the cause and duration of the delay.
 Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

Baggage Loss
Baggage Loss / Damage provides reimbursement for lost, stolen or damaged baggage.
Required Documentation
 Travel itinerary showing all details of insured Trip (when/where/what)
 Accident / Incident / Police / Irregularity Report providing details of the incident.
 Receipts for all claimed lost/stolen/damaged personal possessions or baggage.
 Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.
 Copy of Homeowner/Renter’s insurance Declarations Page along with a copy of EOB from the insurance company may be required if coverage is Secondary or Excess.
 FOR DAMAGE only – a copy of repair invoice or estimate.

Baggage Delay
Baggage Delay provides reimbursement for clothing, toiletries, and other necessary personal effects if baggage is delayed for at least 24 hours during a trip.
Required Documentation
 Travel itinerary showing all details of insured Trip (when/where/what)
 Irregularity / Incident Report filed with Common Carrier confirming delay
 Receipts for all claimed clothing, toiletries, and other necessary personal effects
 Documentation showing any received or expected settlements, refunds, or credits for this loss from any other party.

Emergency Medical Expense/Evacuation
Emergency Medical Expense / Emergency Evacuation provides reimbursement for medically necessary medical services and emergency transportation expenses during trip.
Required Documentation
 Medical, treatment, ER, and admit/discharge records detailing condition treated while on Trip for claimed medical expenses.
 Copies of all bills, invoices, receipts, and applicable credit card/bank statements pertaining to claimed medical expenses.
 INJURY Claims – Accident / Incident / Police / ER Report(s) which detail accident.
 EOB’s from health insurance companies may be required if coverage is Secondary or Excess.

Car Rental Collision Damage
Car Rental Collision Damage covers the costs of damage to a rental car.
Required Documentation
 Copy of Original Rental Contract & Invoice;
 Police / Accident / Incident Report(s) which provide details of event.
 Copy of repair estimate/invoice.
 Pictures of vehicle damage, including accident scene photos, if available.
 Proof of any payments made to the Rental Car Company for damage.

AIG Claims

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