Things to Keep in Mind Before Claim for International Travel Insurance

• Written by Care Health Insurance

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The famous poet Oscar Wilde once said- “Live with no excuses and travel with no regrets”. However, the occurrences of adversity can cost you a fortune. When planning a trip to the pristine beaches in Bali, thinking of an emergency is probably the last thing on your mind. When you are in an unknown territory, a sudden emergency can burn a big hole in your pocket. Having international travel insurance covers both medical and non-medical losses such as theft, loss of belongings and personal accidents. But, to avail of its benefits, it is important to know the procedure to file the claim.

There have been instances when travel insurance claims are rejected, and this is not less than a nightmare for any traveler. Sometimes, individuals are not aware how to claim travel insurance for trip delay or cancellation and what are the necessary documents. Here is an international travel insurance claim guide for you when you are looking to file a travel insurance claim.

1. Carry all necessary documents:

Troubles do not come knocking at your door. But if you experience any trouble in a foreign country it can be worrisome as you do not know to whom you should contact. If you have purchased international travel insurance, then it is mandatory to carry your documents. If you have opted for international travel insurance online, you would have all the documents in your inbox. You can keep them safe and use it when you need to make a claim.

2. Provide accurate information:

When filling the travel insurance form at the time of purchasing the policy, be sure that you provide your correct details. It is important to declare pre-existing illness, date, and purpose of the trip. Any false or incorrect information on your travel insurance application form can reject your claim.

3. Notify to police immediately:

If you face any emergency mentioned in the inclusions of the travel insurance plan, the first thing you need to do is to inform the local police immediately. You will need a copy of the police report at the time of the travel insurance claim settlement. In case if you lose your passport or luggage, police intervention may be required. You may be asked to submit the police report in order to proceed the claim and other services. 

4. Intimation:

You are required to intimate the customer support team about your loss. The team will assist you in further claim settlement process. You need to submit some required documents, once verification will be done by the team your claim will be settled quickly.

5. File for a Claim Immediately:

 The travel insurance claim process can also be done while you are traveling. It may not work out if you wait to return to India and then file the claim. The purpose of buying international travel insurance is to get immediate help while you are away from your country. For that reason, make sure you file a claim immediately. There will be a higher chance that claims are settled timely. 

Final Words

When purchasing international travel insurance, no one imagines that there would be a situation when they need to make a claim. But unfortunate incidents can happen to anyone and you are bound to make a claim. The process of international travel insurance claim is smooth if the above-mentioned protocols are followed.

At Care Health Insurance, we have region-specific travel health insurance plans that offer maximum coverage for medical and non-medical travel risks. Our fast claim settlement process provides a sense of financial security, if you stuck in any kind of emergency in a foreign country.

Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.