If your travel has been impacted by canceled flights, significant delays, unexpected medical emergencies, or other forms of disruption, you may be eligible for reimbursement through your travel insurance policy.
Continue reading for FAQs, provider contact information, and other helpful resources as you begin the travel insurance claims process.
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Travel insurance plans provide financial protection against unforeseen circumstances that may disrupt or impact your travel plans. Here are the most common reasons why travelers file claims with their travel insurance company.
If your trip is delayed or you miss a connecting flight due to reasons beyond your control, travel insurance may provide reimbursement for additional expenses incurred, such as accommodation and meals. To be eligible for a Travel Delay claim, your delay must meet the minimum delay time limit outlined by your policy.
Travel insurance may reimburse you for non-refundable expenses and trip costs if you need to cancel your trip or end your trip early due to covered reasons. Common reasons for filing a Trip Cancellation or Trip Interruption claim include unforeseen medical emergencies, inclement weather, or trip delays lasting longer than 24 hours.
Travel insurance may cover medical treatment, emergency transportation, and other medical expenses incurred while traveling. Most travel medical insurance plans will cover hospital stays, doctor visits, and emergency evacuations. Coverage limits and exclusions may apply.
Travel insurance often offers coverage for lost, stolen, or delayed baggage, providing reimbursement for essential items and replacement costs. Some policies may also cover baggage damage.
Each travel insurance claim is unique, and will be handled as such by your travel insurance providers. To get the best outcome, it's important to be prepared and proactive. Start with the following tips:
Reach out to your insurance company’s claims team using the contact information found within your policy. Their team will guide you through the process, answer your queries, and assist you in preparing your claim. Be sure to have your policy number handy.
Before initiating your claim, be sure to gather all the necessary documentation related to your incident. This may include credit card statements, medical records, police reports, travel itineraries, proof of payment, and any other relevant evidence to support your claim.
You will likely be asked to complete a claim form with your provider. It's important to fill it out accurately and provide all the necessary details. Attach the supporting documentation to ensure a prompt assessment of your claim. Many times, a member of your provider's claims team will contact you to request additional information.
Once you've completed the claim form and gathered all the required documents, you may then submit your claim. Providers typically accept claims via email, mail, or through a secure online portal. Make sure to retain copies of all documents for your records.
Disclaimer: Required documents and claims processes may differ among providers. Contact your provider's claims department for the most accurate information.
Our Zero Complaint Guarantee ensures that the travel insurance policy you buy from Squaremouth comes from a trusted provider who will treat your claim with fairness and integrity.
If your claim is denied and you feel that the decision was unfair, our team of licensed claims adjusters will examine your case and act as mediators with the provider. If the issue remains unresolved to Squaremouth's standards, we will remove the provider, and their policies, from our website.
If you're unhappy with how your specific claim has been handled, you may fill out this form to open a Zero Complaint case. A member of our team will be in touch with you regarding your case shortly after.
Open a Zero Complaint CaseHere are some of the most frequently asked Claims related questions from travelers like you.
Once you purchase a travel insurance policy, a confirmation email will be sent to you that includes provider contact information and specific claims instructions.
In the majority of cases, you can contact your provider's claims department by phone, email, or mail. Most providers now allow policyholders to file their claim online, either through a website or mobile app.
You may begin your claim at any point after an incident has occurred, even if you're still traveling. Your provider will indicate what supporting documentation is required to support your claim. This can include receipts, hospital bills, police reports, or other forms of evidence.
If you're unsatisfied with how your claim was handled, you may open a Zero Complaint case through Squaremouth's Zero Complaint Guarantee.
Once all necessary documentation is submitted, your claim will typically take 4-6 weeks to process. However, the timing can vary depending on the nature of the claim, and how quickly you provide the necessary documentation to the claims department.
Most travel insurance claims are paid out through check. This check will be made out to the primary policyholder and mailed to the address on file from when the policy was purchased. However, any specific requests regarding reimbursement can be made during the claims process.