Travel Insurance
Travel Insurance
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Travel without any worries, plans starting
30 per day*
Plans include global Covid-19 coverage

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Schengen Countries
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Now covers COVID-19

Just a minute!
Safety is not expensive, it's priceless!
Travel Insurance plans starting at just ₹30 per day*
  • No medical checkup required
  • Pre-existing coverage available
  • Instant Policy Issuance
  • Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
  • 24x7 claims support

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

Tips to Make Your Travel Insurance Claim Process Hassle-Free

We have all heard about the benefits of travel insurance - so many of us buy trip insurance to ensure overall safety. But what exactly do you do when you find yourself in a fix? Read on to know everything about the travel insurance claim process here!

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Travel Insurance Plans

  • Individuals
  • Sr. Citizens
  • Students
Plans for an individual of 30 years age travelling to USA for 15 days

How do I Make a Travel Insurance Claim?

Suppose you're out on a family vacation abroad; everything has been planned and you were busy exploring a busy market when the purse around your neck is suddenly snatched by a bike passing by.

Along with your wallet, it has your passport without which you can't do a lot in this foreign country.

This is where your insurance plan will come in handy, but how do you go on about it? While you were quick to buy the trip insurance policy, it was even more important to go through some basics of claim procedure in case of any eventuality.

Thankfully, this is a hypothetical scenario and you have time to rectify this. Read on to know exactly what to do if you’re ever in this situation while travelling!

Essential Tips for Easy Travel Insurance Claim Process

You already know that you can file for a travel insurance claim while you're abroad (in case of hospitalisation etc.) or when you're back from your trip. However, the entire process has some important steps that every policyholder should know. These are discussed in detail below:

Be Thorough with Policy Documents

All policies have terms and conditions that are available on the insurer's website. These are called inclusions and exclusions and constitute important facts. You should read these well and resolve all doubts with the representative before buying the policy. This can be easily done through their customer care number or emails.

Know the Difference Between Cashless Claims and Reimbursement

Knowing the difference between these will let you prepare for any emergency situation so that you don’t need to be confused about the claim procedure.

Cashless claims are generally available in case of hospitalisation abroad. These are only available at network hospitals and you must inform your insurer beforehand to avail of this benefit.

On the other hand, reimbursement is a very common method of claim payout where you pay for expenses (medical, passport issuance costs, etc.) out of your pocket first. After returning, you can get it reimbursed upon providing relevant documents.

Provide Accurate Details

Make sure to provide a valid number or email while filling out the proposal form. Ensure that this number will be functional during your trip abroad. Not only this, don't hide any underlying health conditions especially if you have a pre-existing disorder that may pose a risk later. If you have any PED then your insurer can outright reject your claim later (unless you have an add-on for that!)

Keep Soft Copy Handy

While most people now prefer digital documents, it is important to have safe storage for your insurance policy. In case your phone gets stolen or the physical copy of the policy is misplaced abroad, make sure to carry backup storage with soft copies of your policy, passport, and important documents.

Save Insurer's Contact Details

Most insurers have a dedicated helpline or a team focusing entirely on the needs of the policyholder abroad. However, some insurers also have smartphone applications, email IDs, EAP or fax numbers so that you can contact them. It’s important to know all these points of contact so that you know exactly how to contact them. Save them in your phone or mail so that you don’t need to hunt for them during an emergency.

Contact Insurer at the Earliest

As soon as you notice something is wrong or land up in a situation, contact your insurer. The earlier you inform them the quicker will be the resolution. They will also guide you regarding the situation and even offer the best possible course of action.

Fill Your Claim Form Carefully

Before submitting your claim form, double-check it so that no detail has been missed or a mistake overlooked. This will save you any extra steps later or more time spent clarifying those shortcomings.

Keep All Documents Safe

This is most important during a reimbursement process. Important documents like bills, receipts, FIR copies, and any other proof of expenses that you incurred abroad should be stored safely so that you can get them reimbursed later. Misplacing these documents may lead to rejection of the claim or a lower payout.

Filing Travel Insurance Claim: What Not to Do!

  • Do not make separate arrangements with service providers without informing your insurer
  • Do not ignore emails or messages from the recovery agency
  • Don't delay buying insurance till the last minute, give it sufficient time so that you're aware of different clauses and benefits
  • Don't ignore the deductibles in your travel insurance plans; cheap plans usually have higher deductibles which means these will be paid by you
  • Finally, don't exaggerate any loss or lie about it. The insurer will reject your claim entirely or even impose a penalty in some cases.

Wrapping it Up,

While the claim procedure varies from insurer to insurer, it is important to know the basics of claim reimbursement. While we buy an insurance policy and hope it's never put to use, in case of need it is the safety net that protects us from financial losses and difficulties while we are travelling. If you keep these points in mind, you will save a lot of time and effort at the time of your claim settlement.

Countries that Need International Travel Insurance Policy

Travel Insurance for USA
Travel Insurance for UK
Travel Insurance for Malaysia
Travel Insurance for Australia
Travel Insurance for Germany
Travel Insurance for UAE
Travel Insurance for Thailand
Travel Insurance for Canada
Travel Insurance for Singapore
Travel Insurance for Vietnam
Travel Insurance for Turkey
Travel Insurance for Indonesia
Travel Insurance for Ireland
Travel Insurance for Schengen
Travel Insurance for France
Travel Insurance for New Zealand
Travel Insurance for Sri Lanka
Travel Insurance for Saudi Arabia
Travel Insurance for Nepal
Travel Insurance for Qatar
Travel Insurance for Japan
Travel Insurance for Oman
Travel Insurance for Philippines
Travel Insurance for Poland
Travel Insurance for Netherlands
Travel Insurance for Italy
Travel Insurance for Serbia
Travel Insurance for Maldives
Travel Insurance for Belgium
Travel Insurance for Hong Kong
Travel Insurance for Switzerland
Travel Insurance for Austria
Travel Insurance for Spain
Travel Insurance for Hungary
Travel Insurance for Greece
Travel Insurance for Sweden
Travel Insurance for South Africa
Travel Insurance for Armenia
Travel Insurance for Egypt
Travel Insurance for China
Travel Insurance for Jordan
Travel Insurance for Brazil
Travel Insurance for Mexico
Travel Insurance for Portugal
Travel Insurance for Denmark
Travel Insurance for Uzbekistan
Travel Insurance for Ukraine
Travel Insurance for Luxembourg
Travel Insurance for Albania
Travel Insurance for Belarus
Travel Insurance for Russia
Travel Insurance for South Korea
Travel Insurance for Georgia
Travel Insurance for Azerbaijan
Travel Insurance for Cambodia
Travel Insurance for Seychelles
Travel Insurance for Kazakhstan
Travel Insurance for Kenya
Travel Insurance for Bhutan
Travel Insurance for Mauritius
Travel Insurance for Norway
Travel Insurance for Malta
Travel Insurance for Finland
Travel Insurance for Czech Republic
Travel Insurance for Croatia
Travel Insurance for Slovakia
Travel Insurance for Iceland
Travel Insurance for Israel
Travel Insurance for Taiwan
Travel Insurance for Estonia
Travel Insurance for Bahrain
Travel Insurance for Latvia
Travel Insurance for Tanzania
Travel Insurance for Slovenia
Travel Insurance for El Salvador
Travel Insurance for Liechtenstein
Travel Insurance for Lithuania
Travel Insurance for Macau
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Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms, and conditions, please read the sales brochure carefully before concluding a sale.

Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2024 | License category - Composite Broker | Contact Us | Legal and Admin Policies

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

 
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