Travel insurance can sometimes be hard to claim, even if you follow all the procedures and terms and conditions of your policy. Because insurers look for several aspects before approving a claim, you must be familiar with the claims process. Let’s have a look at some of them in this article.
Declare pre-existing medical condition
Declaring your pre-existing medical condition is a must when buying travel insurance. Failure to do so can result in your claims being rejected or your policy voided.
Do not assume that the policy covers a condition that you may have. If you have doubts, check with your insurance provider about the type of medical condition they can cover. Also, do not lie about your medical condition! This can lead to unwanted problems when you’re submitting a claim.
Notify the insurer of any changes
Keep your policy up to date with the changes to your health. If you have been diagnosed with a new condition after purchasing the insurance, inform the insurer. This ensures the provider knows your current medical status and can assist should a medical emergency arise while you’re on holiday.
Contact the insurer as soon as possible
If you fall sick abroad, but it is not an emergency, remember to contact the insurer before receiving treatment. By doing so, the insurer can guide you on the available medical facilities near you and confirm what your travel insurance covers.
Keep supporting documents such as medical certificates, receipts, and prescriptions as proof to support your claim later.
Know what information you need to provide
Remember to provide accurate information when making an insurance claim. You can submit your claim online or manually by filling in a form. For medical-related claims, include documents signed by a certified doctor confirming your treatment during vacation.
Get the policy when you book your trip
One of the perks of purchasing travel insurance with your ticket is trip cancellations. Most other times, you aren’t compensated if you plan to cancel your trip suddenly. Also, if you have an annual travel insurance policy, ensure it stays active during booking to cancel your trip at your convenience.
Travel to a safe country
Though it may seem obvious, you must travel to safe destinations for vacation, so your insurer can provide cover without any problems. Avoid countries at war, have ongoing riots or natural disasters, and have humanitarian crises such as endemics, health emergencies, or an outbreak.
Check what is covered
Make sure you read the fine print of your insurance policy carefully to understand the scope of coverage. To avoid possible misunderstandings, always keep a copy of your policy on your mobile device for quick reference when needed.
Travel insurance claims
Getting your claims rejected is certainly not a good feeling. Not knowing the ins and outs of your insurance policy can cause such rejections. So, be sure to take note of the pointers mentioned above to navigate the claims process.
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