Disaster has struck, what shall I do?
Contact the insurer promptly
As soon as you think you’re going to need to make a travel insurance claim, you should contact your insurer. While there may be a deadline of a month or so after the event, it’s much better to act immediately. Sometimes, for example certain types of medical treatment need pre-clearance from the insurer in order to ensure that they’ll pay your claim.
Contact the police
If you’re the victim of crime while away on holiday, it’s important to report it to the police if you’re intending to make a claim. Insurers will require a crime reference number or police report to approve the claim. If you’re abroad, don’t be tempted to wait until you get home, it will be much easier to deal with the issue on the ground at the time, rather than over the phone later.
It’s important to keep all information that can help substantiate your claim. For example, if you have to cancel your holiday because you’re ill, you’ll need your Doctor to supply a form. If you lose items or have them stolen, you may need to try and prove value and ownership.
Do the paperwork
Insurer’s claims processes are all a little different. Some claims may be dealt with quickly over the phone, but for others you’ll be required to fill in forms and attach copies of relevant documents and paperwork. This is why it pays to be organised. The quicker you are able to file the claim, the quicker you’re likely to get paid. Most insurers now accept documents online, but if you do end up having to post anything, make sure you keep copies of any important documents you’re enclosing and always send them recorded delivery if possible.