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Insurance Article

Claim Settlement Guide For International Travel Insurance

February 22 2018
Claim Settlement for Travel Insurance

When something goes wrong on your international trip, a claim on your international travel plan will help you recover your financial losses

Investing in an international travel insurance plan gives you reasonable protection in situations when something goes amiss during your trip abroad. Whether you are traveling alone or with your family, a mishap such as a medical emergency or the loss of vital documents and baggage is a difficult ordeal to face.

While nobody would want to imagine or wish for such a situation, the reality is that there is a fairly high probability of things not going as planned. When the time comes for you to use your insurance to make a claim, it is important that you understand how to do it. Here is your claim settlement guide to help you use your international travel insurance policy when you need it.

Quick Checklist Of Essentials

  • Carry the details of your travel insurance plan with you while on your trip. Remember to save the receipts of things you purchase to support the claim.
  • Disclose preexisting medical conditions to your insurance company to make the most of your claim.
  • If in need of medical treatment, inform your insurer prior to the procedure to leave no room for a denial of payment towards your claim.
  • Inform the local police about missing or stolen personal property within twenty four hours of the loss.
  • Keep your insurer updated about any mishap that occurs and which is within the purview of your cover.
  • Keep in mind the limitation of time within which you need to register your claim after a situation arises for it to be made.

Making The Claim

If you are prepared, you can choose to make the claim while traveling. It is a good idea to make the claim as soon as possible without waiting to return home. However, in case you are compelled to register your claim after returning from your trip, make sure you do so within the time limit prescribed within your policy.

Your insurer will always look out only for valid reasons to allow you the claim, so make sure you are equipped with proof to back up your claim. To settle a claim successfully, being equipped with evidence and following the limitation period are the two most important things to keep in mind. With all the documents and requirements taken care of, the chances of a claim failing is narrow. 

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