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Nov 21, 2023

An Informative Guide on the Travel Insurance Claims Procedure

Traveling is a thrilling adventure, but sometimes unforeseen events can disrupt even the best-laid plans. This is where travel insurance comes to the rescue, providing financial protection and peace of mind. In the unfortunate event that you need to make a claim, understanding the claims procedure is crucial.

Let’s go through the process of filing a claim after a mishap has taken place during your travel. 

Why is Travel Insurance Important?

Before we delve into the claims procedure, let's quickly review the importance of having travel insurance:

Medical Emergencies

A policy covers unexpected medical expenses, ensuring you receive proper treatment without incurring hefty bills.*

Trip Cancellation/Interruption

A policy reimburses non-refundable trip expenses in case your journey is cancelled or cut short due to unforeseen events like illness, family emergencies, or travel advisories.*

Lost or Delayed Baggage

A policy provides compensation for lost, stolen, or delayed baggage, helping you replace essential items.*

Travel Delays

A policy covers expenses incurred due to flight delays, missed connections, or other travel-related disruptions.* Claims are subject to terms and conditions set forth under travel insurance policy.  

The Travel Insurance Claims Procedure

Filing a travel claim may seem daunting, but it's a straightforward process if you follow these steps:

1. Notify Your Insurer

As soon as you encounter an issue leading to a claim, contact your travel insurance provider. You can reach out to them on their website or through the helpline number, which is a 24/7 helpline for emergencies. Provide them with all necessary details, including your policy number and a brief description of the situation.

2. Gather Documentation

Collect all relevant documents to support your claim. The required documents may vary depending on the type of claim, but common items include the:

ᄋ Claim form

Fill out the insurer's claim form, providing accurate and complete information.

ᄋ Proof of travel

You can consider your booking confirmations, itineraries, and proof of payment for the trip.

ᄋ Medical records

For medical claims, you'll need medical certificates, bills, and receipts.

ᄋ Police reports

In case of theft, loss, or accidents, file a police report and obtain a copy.

ᄋ Receipts and invoices

Keep records of expenses related to your claim, such as accommodation and meals during delays or cancellations.

ᄋ Photographs

If applicable, take photos of damaged property or accident scenes to support your claim.

ᄋ Witness statements

In some cases, witness statements may be necessary to validate your claim.

ᄋ Travel documents

Include your passport, visa, and any other relevant travel documents.

3. Read Your Policy

Carefully review your policy document to understand the coverage limits, exclusions, and any specific requirements for making a claim. This will help you ensure your claim is valid and let you avoid potential delays.

4. Submit Your Claim

Submit your claim along with all required documentation to the insurance company. You can typically do this online, by email, or by mail, depending on your insurer's procedures. Ensure to you meet the claim submission deadline specified in your policy.

5. Claim Assessment

Once your claim is submitted, the insurance company will assess the validity and scope of your claim. They may request additional information or documentation if needed.

6. Decision and Settlement

After evaluating your claim, the insurance company will take a decision. If your claim is approved, you will receive a settlement offer. If there are any disputes or issues, work with your insurer to resolve them.

7. Payment

If your claim is approved, the insurance company will issue payment according to the terms of your policy. Payment may be made via check, bank transfer, or any other method specified in your policy.

Types of Travel Insurance Claims

Now, let's explore some common types of travel insurance claims:

Medical Claims

They include the expenses for illness, injuries, hospitalization, and emergency medical evacuation during your trip. To make a medical claim, you’ll need medical records, bills, and receipts.*

Trip Cancellation/Interruption Claims

These claims involve reimbursing non-refundable trip expenses due to events like illness, family emergencies, or travel advisories. You’ll need relevant documentation (such as trip itineraries, booking confirmations, and proof of payments).*

Lost or Delayed Baggage Claims

In cases of lost, stolen, or delayed baggage, you'll need to provide proof of travel, baggage tags, receipts for replaced items, and a report from the airline or authorities.*

Travel Delay Claims

These may include expenses incurred due to flight delays, missed connections, or other travel disruptions. You'll need receipts for expenses like accommodation, meals, and transportation.*

Personal Liability Claims

They may cover incidents where you're held responsible for causing injury or damage to others. These claims may require witness statements or police reports.*

Domestic Travel Insurance Claims

Domestic travel insurance provides coverage for trips within your own country. The claim process is similar to that for an international policy, but there might differences in terms of coverage, inclusions, and exclusions. Going through the policy document might give you a better idea.*


When hoping for smooth travels, it is imperative of you to purchase a good policy. For example, if you are planning a trip to the USA, you would not want anything to spoil such an expensive trip. The weather, the food and the surroundings might affect your health. There are various adventure sports as well in which you might participate and may end up getting injured. Having some kind of financial assistance to deal with such situations is important. Thus, it would be important to purchase travel insurance for the USA before you embark on the trip.   * Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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