Tips for making a successful travel insurance claim

Filing a travel insurance claim can be a smooth process if you have paid close attention to your policy terms and provided accurate information. Here are some key guidelines to help ensure your claim is processed without a hitch.

Confirm travel details

Start by double-checking that the travel dates and destination listed on your policy match your actual itinerary. Any mismatch, even a minor one, could result in your claim being declined. If you update your travel plans, let us know straight away so we can adjust your cover accordingly. Remember, your return date should be the date you arrive back in the country not the day you depart your holiday (sometimes late night or overnight flights land the next day).

Be diligent about pre-existing conditions

A frequent reason for denied claims is failure to accurately disclose existing medical conditions. When you apply for your policy, you must disclose all health conditions as requested on our medical screening, even those you think are minor or unrelated. Omitting this information can invalidate your policy entirely.

In an Emergency

In the event of a medical emergency abroad, it’s crucial to contact our 24/7 emergency assistance team as soon as possible. Doing so ensures you get the right support promptly and allows us to open your claim without delay. It also allows us to ensure you are getting the right treatment and in the right place.

Understand activity cover

Standard policies generally exclude cover for high-risk sports and activities. If your holiday plans include activities that may be considered hazardous, you’ll need to add the relevant optional cover. We offer a tiered system categories A, B, and C to help you identify what’s included. Without the right level of activity cover, any related claims would be rejected.

Keep thorough records

Comprehensive documentation is key to a hassle-free claim. Hold onto all medical records, receipts, and official reports (such as from the police in case of theft). If you’re claiming for medical treatment, make sure a doctor’s statement includes your diagnosis and the care provided.

Choose the right level of cover

Make sure your policy offers enough protection for your specific travel plans. Ensure your cancellation cover matches the total cost of your trip and review your baggage cover limits. Consider additional gadget cover if you’re bringing valuable electronics. Optional add-ons like natural disaster cover, or waiting list cover can provide extra peace of mind.