How to File a Claim
- Contact your insurer immediately — Most policies have a 24/7 emergency assistance hotline. Call before incurring major expenses if possible.
- Get official documentation — Police reports for theft, medical reports for illness/injury, airline documentation for delays/cancellations.
- Keep all receipts — Every expense you want to claim must be supported by a receipt or invoice.
- Photograph everything — Damaged luggage, medical facilities, accident scenes.
- Complete the claim form within the deadline (usually 30–90 days after the incident).
- Submit all supporting documents — boarding passes, booking confirmations, medical records, police reports, receipts.
Common Reasons Claims Are Rejected
- Filing after the deadline
- Insufficient documentation (no police report for theft, no medical records)
- Pre-existing condition not declared
- Activity not covered (e.g., scuba diving below covered depth)
- Travelling against government advice
- Not contacting the emergency assistance line first for medical claims
Always save your insurer’s 24/7 emergency number in your phone contacts before you travel. In a crisis, you won’t want to search for it.