How To Claim On Your Travel Insurance Policy
Even if you are blessed with the luck of the Irish, the reassurance a good travel insurance policy can give you could be worth its weight in gold should you find yourself baggage-less in the airport in Abu Dhabi, or taking a trip to the local hospital after being stung by a jellyfish on a beach on the Gold Coast.
There are a few things you can do to make the process as smooth as possible, if regrettably you have to make a claim.
Before you leave
Make sure you take your insurance policy (or a copy of it) with you. You'll need your policy number to make a claim, and your insurer will probably have an emergency helpline you can call if you need assistance while you are away.
If you're taking electronic equipment such as a phone, tablet or camera with you, write down the make, model and serial number to give to your insurance company should you lose or damage them.
Take photos of your valuables like jewellery in case they get lost or stolen. Make sure you save the photos somewhere you can access them easily should you need them, for example in secure cloud based storage.
Cancelling your trip
Your insurance company will normally pay out for trip cancellations for any of the reasons stated in your travel insurance policy documentation. Common reasons include the death or serious illness of someone travelling in your party or a close relative, jury service, redundancy or serious damage to your home, for example a fire.
You should contact your insurer as soon as possible, and they may ask you for proof of the reason for cancellation.
Travel cancellations and delays
If your flight or other method of travel is cancelled, you'll need written confirmation of this from the company you booked with or the carrier. You'll need to pass it on to the insurer during the claims process.
The same applies for any delays in travel. You should also keep any receipts for any expenses you incurred because of the delay, such as a hotel stay, or food and drink.
If you have to make a claim while you are abroad
If you are a victim of a crime such as an assault or robbery, or you lose any of your belongings, you need to tell the local police within 24 hours, but preferably as soon as you can. Insurance companies generally won't accept a claim if the police haven't been notified. They will also ask for proof of this, so make sure you get the equivalent of a crime reference number to pass on to them.