Travel Insurance: It’s Easier to Make a Claim Now
We all know that we get a travel insurance out of necessity, and deep down we really hope it won’t be the case to use it. But we know how things can get – you can’t really know how all of the things will run in your trip. You’ll need to choose one that suits you best; perhaps you need one travel insurance for winter sports or a cruise insurance
We’ve written this article to show you how to make the claims process way easier.
So..how do I make it?
Your insurer is the one who usually explains this to you – on their website or on the phone. You may need to do some digging in medical reports, police reports or receipts that show the value on an object that was damaged, stolen or simply lost.
You should do it as soon as possible, and it’s advisable to do it even if you’re still waiting for some documents. You can give an e-mail or post about it after you make the first claim. Your insurer should then tell you what you need to add if something is not clear about the claims form. Then he should tell you the requirements and if you start the process as soon as possible, then it would be easier for you to get all the documents that you need and pieces of evidence, in case they’re wanted. You can see the process of your claim by simply logging into your account from the insurer’s website.
The emergency travel insurance claims
If we are to talk about emergency travel insurance claims, it’s good to mention that there are some travel insurers that will give an emergency assistance service. This includes finding the nearest hospital and the closest consulate or embassy and it helps you in keeping contact with your family during the emergency.
All the claims are controlled by the General Insurance Code of Practice, so in case that your claim was refused and you think it was because of an unfair reason, you can put the decision for review.
How to make a travel insurance claim for medical expenses?
In case something happens and you’re rushed to the hospital, you must get in touch with your travel insurer so they can claim the medical expenses. It’s his duty to contact the hospital and make the necessary arrangements to pay.
If you get the treatment from a doctor, and not from a hospital, you need to get in touch with your travel insurer before that happens. They will tell you whether you’re qualified to make a claim in this situation.
For all the medical expenses it is required that you get a medical certificate guiding your insurer in your type of sickness, injury and the treatment that you’re going to receive. You’ll also need a copy of the bill for you and for your travel insurance provider.
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