How to Process Your International Travel Insurance Claim Right

Posted on: Jan 24, 2022 | 3 mins | Written by: HDFC ERGO Team

How to Process Your International Travel Insurance Claim Right

Process International Travel Insurance Claim

Having an international travel insurance policy can help you in several scenarios. In essence, it provides you protection from various challenges and issues such as cancellation of flights, flight delays, change in plans due to health complications, losing travel documents or personal documents, and several others. While plenty of protection is provided in such areas, it is also important to understand the most accurate process to submit your claim so that you can enjoy all the benefits of your international travel insurance plans.

Carry Your International Travel Insurance Documents

One of the first and most important steps is to carry all of your travel insurance documents. In case any one of your travel documents is missing, then, you may not be able to complete the claim process. In case you need to process your claim in an international or unknown country, it is best that you stay prepared with all of your travel insurance documents. In case you have a soft copy of your travel insurance, it is best to keep them handy or in a certain folder on your phone so that it is accessible to you.

Furnish Correct Information

Furnishing your correct information might seem simple. However, in many cases, it can be possible for individuals to make mistakes or typos to occur. So, it is a key to have all of your ID cards and proofs nearby to verify the information that you enter in your travel insurance form. When you fill the application for your travel insurance, make sure that you double-check the same to avoid any errors. Even a small typo can leave your travel insurance invalidated thereby not allowing you to claim your benefits.

Gather Local Communication Details

Every insurance company will have a list of contacts in different countries or states where they offer travel insurance benefits. Each of these local areas will have a team associated with the insurance company. So, before you travel, make sure that you collect the contact information of these local areas that you plan to visit. This can help you contact them easier and get your query resolved quicker.

Inform the Local Police

In the most unfortunate scenarios where you find yourself in any kind of an emergency situation, make sure that you first inform the local police. This can help you document your emergency and have legal proof in case any other instances turn up. It can also be helpful to collect the local police’s contact number so that you can contact them in case of any emergency. You can also keep these contacts on speed dial to help you during any emergency.

Inform the Insurance Provider at the Earliest

One of the main clauses that many insurance companies have is that a certain event or incident has to be reported within a certain mentioned time frame. In case you experience any issues or challenges, make sure that you contact the insurance provider immediately. If you are not able to get a hold of them over the phone, send them an email so that you have a record of reaching out to them at the earliest.

Lodge a Travel Insurance Claim Whilst You Are on Your Trip

It is a common misconception that you can go ahead with the claim process only after your trip. This is not true. You have the option to claim travel insurance while you are on your trip as well. There is an online process that you can follow to do the same in a simple manner. So, in case you have an emergency, make sure that you lodge your claim with the insurance provider immediately. This can benefit you immensely.

Keep Evidences Ready

Another key aspect is to keep all the evidence ready. Make sure that you store them someplace and have a record of all the evidence available. This can come in handy when you are asked to submit them to the insurance agency. Some of the most common pieces of evidence are hotel bills, medical bills, airline ticket receipts, police reports, and others.

Conclusion

Following your claim process accurately is as important as having an international travel insurance policy. Make sure that you have all of your information right on the travel insurance documents and that you report an emergency at the earliest to both the local police as well as the insurance provider. In addition, make sure that you save all of the evidence and receipts to ease up the claim process.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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