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How Do Travel Insurance Claims Work?

Lee is a freelance travel writer and podcast host based in Nashville, Tennessee. He loves to travel with his wife and two children using miles and points. Lee has held the Southwest Companion Pass since 2007 and enjoys being spoiled thanks to his Kimpton Inner Circle status.

June is a freelance writer and the author of “The Joy of Syntax" and “The Best Punctuation Book, Period.” A former staff writer, reporter and editor for the community news division of the Los Angeles Times, she also writes the weekly syndicated “A Word, Please” column that runs in newspapers in five states.

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

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How Do Travel Insurance Claims Work?

Few adventures are as exciting as long-distance travel, but it adds an element of uncertainty. Unexpected travel disruptions can happen, causing unnecessary financial loss. That’s where travel insurance comes in. Travel insurance will cover you for most travel disruptions. Still, you must understand the policy terms and conditions and submit a claim to reimburse nonrefundable expenses. 

In this detailed guide, find out how to submit a trouble-free claim to prevent reimbursement delays. 

Key Takeaways

• Understand your policy benefits, exclusions and limits.
• Keep all receipts and documentation connected to travel disruptions.
• Promptly submit claims and then track your claim online.

Steps for Submitting a Travel Insurance Claim

• Determine if You're Eligible for Coverage

Provide All Necessary Documentation

• See All 16 Items

Submitting a claim is not difficult, but you must meticulously follow each step to avoid delays. 

Determine if You’re Eligible for Coverage

It makes sense to check whether you have coverage before you waste time completing claims. Look through your policy terms and conditions to find out what it covers. Policies are usually quite clear about insured events. Look for benefits, excluded events, and claim limits. If you are still uncertain, contact your insurer via email or telephone. 

Include all required documentation. Many claims are delayed because they arrive without the needed documents. Submit your documents online if your insurer offers this service. It’s a quicker and more reliable way to ensure the travel insurance company receives your claim’s submission.

You’ll need a copy of your insurance policy, proof of payment, and correspondence regarding the claimed occurrence. You may also need a passport and visa. The remaining required documentation will depend on the type of travel insurance claim. 

Trip Cancellation

Submit all the documentation explaining why you had to cancel the trip. Required documents may include a doctor’s note for illness or proof of a family death. Most insurers also cover natural disasters, jury duty or court subpoenas, terrorist attacks, civil unrest, visa or passport theft and serious residential damage from flooding or fire. You will need proof of the event if you cancel for these reasons. 

You must also provide proof that you canceled the trip you are claiming. Your insurer may request that you submit any unused airline tickets. You can claim for transportation, accommodation, tours and vehicle rental up to the limits specified in your policy. 

Provide information about the amount refunded by the travel provider. You may only claim nonrefundable payments. 

Are you looking for more information about trip cancellation insurance? Here's everything you need to know . 

Trip Delay 

Postponed or canceled flights are the most likely cause of trip delays. Check your travel insurance policy to understand the benefits, limits and exclusions. Trip delay coverage takes a while to take effect. Usually, coverage kicks in between six and twelve hours. It covers extra costs incurred for transportation, meals and accommodation. Your insurance may also cover the costs of rescheduled flights, activities and events you miss because of the delay.

Insurers cap the coverage. The limits should appear in your policy. Keep all receipts resulting from trip delays. Use these receipts with airline confirmation of the delay to support your claim. 

Trip Interruption

Trip interruption differs from trip cancellation in that it occurs after your trip has started. The interruption cannot be of your own making. It must be outside of your control. An example might be an outbreak of war or a natural disaster at your destination. It also covers the death of a travel companion, medical evacuation, illness, injury and natural disasters. You will not have coverage for preexisting medical conditions. 

Trip interruption coverage will reimburse you for nonrefundable trip expenses incurred for the canceled portion of the trip. This insurance does not cover trips lasting more than 60 days . 

If you’ve had to interrupt your trip you will need proof of the reason for the cancellation. 

Baggage And Personal Effects 

Immediately report the loss or theft of personal effects. If your personal effects or baggage is stolen, you’ll need a documented police or airline report and receipts proving the value of the lost goods. 

If your goods were lost by a transport company, like an airline, you must prove that the transporter did not reimburse you for your loss. Your insurer will want a list of the bag's contents, including valuables. 

Medical Expense 

If you’re unfortunate enough to become ill while traveling and have travel health insurance , file a medical expense claim for reimbursement as soon after the event as you can. Your submitted claim must include medical reports documenting all procedures and medicines provided when under the care of medical professionals. Also, include any medical receipts or invoices received.

Submit Your Claim with Documentation Promptly

The insurance may have time limits on claims, so submit yours as soon as possible. Keep all receipts and documentation. Throw nothing away. 

What Are the Time Limits for Filing a Claim?

Your travel insurance will have a time limit for filing claims. The limits vary substantially. Most insurers stipulate a limit of between 20 and 90 days, though some may give you as much as a year to claim. 

How Long Does a Travel Insurance Claim Take?

Once you have submitted all the necessary documents, the insurance company should settle your claim in less than two weeks. Claims are generally paid by check or direct deposit. Failure to submit all the documents may cause claim settlement delays. 

What to Do if Your Travel Insurance Claim Gets Denied

You can appeal the insurance company’s decision to deny your claim, but you must follow the correct process. The company's website should provide information on how to submit an appeal. If you can’t find appeal instructions or have questions about the appeal process, contact customer service by phone or email. 

Check your travel insurance policy. Policies usually clearly state covered events. To succeed in an appeal, you must send more substantiating evidence.

What Happens After You File a Travel Insurance Claim?

Filing a claim is the first step toward receiving reimbursement. They may contact you if the insurance company needs more information or documents. Prevent delays by responding to requests for information as soon as you receive them.

Most travel insurance companies have online claims portals where you can track the status of your claim. Check from time to time to keep abreast of the process. The insurer may request information via the portal. 

Review the claim outcome on receipt and ensure it complies with the policy terms and conditions. Understand the reasons for denied claims and appeal if you have more supporting documentation. 

Compare the Best Travel Insurance Companies

If you’re looking for travel insurance, you should find an insurance company to fulfill your needs on the chart below. 

This provides a broad overview of your policy provisions and does not revise or amend the policy. Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under policy series LTP 2013 and amendments thereto. Plans are offered and disseminated by registered travel retailers on behalf of Arch Insurance Solutions Inc., a licensed travel insurance producer* (CA License #0I18111, TX License #1787195). Both the travel insurance producer and the underwriter referenced above may be reached at 1-844-872-4163. Your policy is the contract that specifically and fully describes your coverage. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states. Please refer to your policy for detailed terms and conditions. Consumer Disclosures can be found at: https://www.roamright.com/disclosures/. Privacy policy can be found at: https://www.roamright.com/roamright-website-privacy-policy/ *Plans are solicited by licensed producers in NY and HI. 

Travel with Confidence

Travel disruptions are unpleasant, but you can alleviate the financial burden if you know what to expect. Always keep detailed records and documented proof of expenses and reasons for the claim. Understand exactly what your travel insurance policy covers, and file your claim immediately. Ensure that all the required documents accompany your claim to prevent reimbursement delays. You can’t prevent the unexpected, but you can confidently travel when you insure your trip with the right travel insurance . 

Frequently Asked Questions 

Why get travel insurance.

Travel insurance protects you financially from unexpected events that could disrupt your travel arrangements. It is mandatory for Schengen visa travelers to Europe.

Is travel insurance refundable?

Most travel insurance companies will give you a “free look period” during which you can check your terms and conditions. This period lasts between 10 and 15 days, after which the travel insurance is not refundable.

Does travel insurance cover canceled flights?

Travel insurance does cover canceled flights, but it depends on the reason for the cancellation and the terms and conditions of your travel insurance policy.

How to Make The Most of a Travel Insurance Claim

More travelers are buying insurance. If your trip is canceled, take these steps to increase your chances of recovery.

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 The same tricky travel climate that can derail vacation plans abruptly is also starting to overwhelm the insurers compensating travelers for those disruptions. Changing pandemic protocols in the U.S. and abroad, COVID spread, nonrefundable reservations, and canceled or delayed flights made travel insurance a desirable—sometimes even required—safety net.          In a recent survey, travel insurer Allianz Partners USA found that 90% of its customers said they’re likely to buy travel insurance for their next trip. And Squaremouth, a travel insurance comparison site that also tracks trip insurance purchases in real time, reports that 42% of summer 2022 travelers specifically sought out coverage for contracting COVID-19, including cancellation, medical and quarantine benefits. That number represents a nearly 10% jump from the same time last year.        More buyers of the insurance mean more claims. Squaremouth’s data analysis shows a whopping 235% increase in claims from January to June this year, compared to the same time frame in 2019. And experts warn that volume, filing errors and confusion are clogging the system and producing delays. What previously took days or weeks to process could now potentially take months, industry watchers say. “The majority of claims are from travelers who contract COVID-19 either before or during their trip,” says Megan Moncrief, chief marketing officer at Squaremouth. “This is causing extended claims processing times throughout the industry.”           Contributing to the spike in claims is that many U.S.-based insurance providers expanded their standard policies to cover cancellations or delays due to illness, individually ordered quarantines, denied boardings and other events caused by COVID-19 or future epidemics. Previously, only a pricier policy upgrade, Cancel for Any Reason, offered worried travelers such broad protection that it would have covered disruptions from pandemics, but that peace of mind generally increases a policy’s premium 40% to 50%.        With claims expected to continue rolling in at an blistering pace, how can travelers expedite a claim and avoid mistakes that can prolong resolution? Here are some tips to keep in mind.  

10 Things to Know About Hurricane Insurance Claims

 Know what counts as proof of COVID 

 Moncrief calls this “the biggest misconception” right now. Many travelers who contract COVID misunderstand the documentation required to verify the diagnosis when making a claim. An at-home test usually isn’t enough, she says. In most cases, insurers want to see a PCR, or a test given by a medical professional, along with a doctor’s note confirming a positive result. What’s more, self-isolation due to exposure typically is not covered, she says. 

 Understand policy coverage and benefit limits 

 Let’s say you fall ill and are unable to return home as planned. Most policies can cover meals and accommodations for your delayed departure, as well as transportation expenses. But “this is not an unlimited pot of money,” Moncrief says. The typical benefit might range from $1,000 to $2,000 per traveler, with a daily limit. To minimize out-of-pocket expenses, know exactly what the threshold is and spend accordingly.  

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 Don’t get tripped up by vouchers 

 Often, airlines will offer a voucher for future travel (in lieu of a refund, to which you are always entitled) when a flight or booking is canceled. But is the reason for the dropped flight covered by your travel insurance policy? If it is, you must decline the voucher and cancel the flight outright to claim that expense. Squaremouth notes that insurers are denying more claims because some travelers accept the voucher and then try to claim the cost of the flight. 

  Document everything 

 When you’re filing a claim, proof is everything. Before they can process a claim, travel insurers will need all the evidence that proves your loss. Keep cash and credit card receipts for expenses you incur, and gather documentation. For example, a statement from the airline about lost luggage along with an inventory detailing the value of what was lost may be sufficient for reimbursement, and a diagnostic note from a doctor may satisfy medical claims. Take photos of that proof in case the paper copies are misplaced or lost. 

 Report promptly 

 Expedite a claim by filing as soon as possible and submit it via email or the insurer’s online portal. The time frame for filing a claim varies depending on the company and the policy, but the clock starts ticking from the date of your loss. Typically, there’s a 90-day window to submit a claim and documentation, although some insurers shrink that time frame.           A last note: If you book a trip with a credit card that offers travel insurance, you may be able to recoup some costs, perhaps related to cancellation, interruption or delayed or lost baggage. Not all cards, however, have the same coverage, and each will set strict limits. Check the benefits guide for your specific credit card to determine the scope of coverage it guarantees and the rules for making a claim 

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Filing a Travel Insurance Claim: Step by Step Guide

Last Updated: March 8, 2023 October 4, 2023

In a perfect world, there would be such a thing as risk-free travel. Unfortunately, no matter what type of trip we are planning, there’s always the chance that things go wrong. Travel insurance exists to offer protection from the unexpected, and mitigate the financial risks associated with traveling. 

In the unfortunate event that you encounter travel issues, it’s important to know the steps needed to be reimbursed by your travel insurance provider through filing a claim. 

How to Claim Travel Insurance

Having to file a travel insurance claim can seem like a bothersome, daunting process. However, it doesn’t have to be.

If you’ve experienced travel disruptions or need to be reimbursed for other covered reasons, there are steps you can take today to begin filing your claim and make the process as seamless as possible. Squaremouth breaks down how travel insurance claims work.

Step 1: Review Your Policy Details 

This step should really be done well before you get to the stage of filing a claim. Whether you have a single trip or annual plan, understanding your travel insurance policy is crucial when determining if you are entitled to reimbursement. In fact, misunderstanding coverage is one of the most common reasons for denied travel insurance claims.

To review your policy details, it’s recommended to read your travel insurance certificate. This would have been sent to you shortly after purchasing your policy. The certificate details the benefits, coverage limits, and any important exclusions found in your specific policy.

For example, this certificate will outline how long you must be delayed before coverage kicks in, and how much medical reimbursement you may be entitled to. In addition, these policy details will also include the contact information of your provider, should you need to file a claim.

Step 2: Contact Your Travel Insurance Provider

If your trip is impacted and you believe you are eligible for reimbursement, it’s advised to get in touch with your provider as soon as reasonably possible. For example, in the event you experience a medical emergency, you should seek treatment first, and call your insurance company when you are able to. 

The reason it’s important to contact your travel insurance provider early on in the process is because they are able to provide important policy information in real-time. They will be able to offer advice, inform you on coverage options, and help guide you through the start of the claims process.

Step 3: Get Your Documents in Order

When filing, you will need to have evidence that supports your claim. For this reason, it’s important to have all documentation related to your loss. This includes any receipts related to expenses you’ve paid and any refunds you may have received. 

Documents that may be relevant to your claim include: 

• Airline, hotel, rental car, and excursions receipts
• Cancellation notices from prepaid bookings
• Delay notices from airlines
• Medical and emergency services bills
• Notes from licensed physicians 
• Correspondence with relevant parties
• Police reports
• Unused tickets
• Refunds received during your trip

Keeping either physical or digital copies of the above documents, as well as any other applicable files, will help make the claims process as smooth as possible.

Step 4: File Your Claim

Once you’ve contacted your insurance provider and collected all relevant documentation, you can now submit your claims form to your travel insurance provider. 

Most travel insurance companies allow policyholders to file a claim over the phone, through their website, or through their app if they have one. As you go through the process, your provider will clearly outline what’s needed in each step, and will contact you if any additional items are needed.

In most cases, it’s most efficient to file your claim online. That way, you can upload your documentation digitally all at once, rather than relying on email.

How Long Does A Travel Insurance Claim Take?

The timeframe of your specific claim will largely depend on the provider, the complexity of your claim, and how quickly the provider receives all necessary documentation. 

Being knowledgeable of your policy and organized are two great ways to give yourself the best chance of a quick and easy claims process.

What If My Travel Insurance Claim is Denied?

If you feel your claim was incorrectly denied, there are actions that you can take to try and correct the decision. 

First, you may have an opportunity to file an appeal with your insurance provider. If your claim was rejected because you filed the claim incorrectly, did not attach required documentation, or made mistakes when filling out a form, you should get in contact with your provider to remedy the situation.

Another way to protect yourself from denied claims is to purchase a policy with a Zero Complaint Guarantee , a level of security attached to every policy bought through Squaremouth. With the Zero Complaint Guarantee, our licensed claims adjusters will investigate your case and mediate with your provider on your behalf.

If all else fails, travelers may also file a complaint with their state’s Department of Insurance. This service is designed to investigate cases where consumers have been wrongfully denied a claim by their insurance provider. This process is not guaranteed to overturn a claim decision, but offers another layer of protection for travelers in the event their case was rejected.

Travel Insurance Claims: 4 Tips to File a Claim

How do travel insurance claims work?

Travel insurance claims work like most insurance claims.

You’ll fill out the insurance company’s claim forms, which will include information like your name, policy number, travel dates, the reason for filing the claim, and the date of the claim.

You will then submit it with the necessary documentation to support your claim for reimbursement. This coule include documentation from a doctor (for cancellation claims for sickness), flight delay notices, police reports, etc. Basically, anything that proves you suffered a loss.

The travel insurance plan provider will review your claim and process the documents you submitted. They will often have follow questions or requests. After that, you’ll receive reimbursement.

This makes it sound simple, but there are a few things you can do to make it successful (and easier):

4 Tips to File a Travel Insurance Claim

When it comes time to file a claim, you want to be fully prepared to expedite the claims process. The following are some tips starting from the time a situation first arises until you submit your claim. 

1.  Trip cancellation claims for medical issues must be supported by a doctor

For pre-trip cancellations due to sickness or illness , you will need to see a doctor and obtain documentation that you are too ill to travel. The document you need is a full diagnosis or a “Physician’s Statement”.

Why do you need to see a doctor?

You need to prove to the travel insurance company that a doctor told you you could not take your trip, thereby making the cancellation a covered claim.

This is true even if you have a pre-existing condition, have purchased the pre-existing medical condition waiver , and know how to treat your condition. Again, it’s about proving it to the insurance company.

Skipping this step is one of the biggest mistakes people make with travel insurance claims.

2. Medical emergency claims must be supported by a doctor

You may have a medical emergency during your trip as well. This could be a slip & fall, heart attack, or even food poisoning.

If the situation is an immediate emergency, please seek medical attention immediately.

While it is important to contact your travel insurance company as soon as possible, you also want to take care of immediate medical concerns first.

Once the emergency is under control, contact the travel insurance company and inform them of the situation. They will be able to provide guidance regarding the best hospital to receive care, arranging care and transportation, and even serving as a translator in foreign countries.

3. Contact your travel insurance company as soon as possible

Claims and claim questions should be made directly to your travel insurance company.

For medical situations, handle any immediate needs to make sure everyone is safe.

The next call should be to your travel insurance company.

Do not make assumptions about your coverage and claims. Make sure you are taking the correct steps by calling the travel insurance company, informing them of the situation, and following their guidance.

They will be able to advise you in regards to treatment, documentation, and how to expedite the process.

In addition, travel insurance companies provide 24/7 assistance to help you when you need it.

Take advantage of this service. They will contact local medical facilities on your behalf and make arrangements. They can also provide translation services, if needed.

4. Save documentation for everything

It is very important to save documentation for everything you can. The insurance company will obviously need proof of expenses, amounts you have paid, and any refunds you may have received.

The more documentation the better.

Also keep track of personnel you deal with at the insurance company, including an operator number and/or first and last name.

Documentation you will need to support your claim

The rule of thumb here: Document and save everything.

If you have digital copies in email or when signed into websites, do not delete them. Save paper copied and even consider taking digital pictures of them. Bank statements with charges can be useful too.

Here are some examples of what you might need to submit:

• receipts and itemized bills for all expenses (trip cancellation)
• unused tickets, proof of payments (trip cancellation)
• explanation of diagnosis from doctor (medical claims) or “Physician’s Statement”
• police reports (stolen baggage or car collisions)
• proof from airline that baggage was delayed

Most Common Mistakes to Avoid While Filing a Travel Insurance Claim

When you fill out a travel insurance claim, you’ll most likely be filing the travel claim online. Part of that process includes scanning and uploading the documents like physician’s statements, receipts, and reports that support your claim.

The most common mistakes travelers make when filing a travel insurance claim include:

• Failing to fill out the form correctly (this happens more often than you might think).
• Forgetting to provide accurate contact information (so the insurance company can call if they have questions).
• Failing to include the documentation needed to support their claim.
• Claiming reimbursement for events not covered by the insurance plan.

Major Reasons Why Travel Insurance Claims are Denied

Just like any other insurance provider, travel insurance providers have the right to deny claims for events that are not covered by the plan. Once your claim is submitted, a representative will review the details you provided and the supporting documentation and determine whether your claim will be paid or not.

The most common reasons travel insurance providers deny claims include:

• Misinformation, even unintentional mistakes, in the claim form.
• Inaccurate contact information.
• Lack of documentation needed to support the claim.
• Claims for events that are not covered by the insurance plan.
• Seeing a doctor is essential for all pre- and post departure medical issues
• Seeing a doctor is essential even if it’s a pre-existing condition and you know how to treat it
• Contact your insurance company as soon as possible
• Save all documentation

Related topics

• Travel Insurance Claims: The Complete Guide
• The Beginner’s Guide to Travel Insurance
• How do I know if I need pre-existing coverage?

Understanding how travel insurance claims are paid

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

• 17 October 2021

Important Tips for Making a Successful Claim

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Your Trip Didn't Go As Planned? Here's How To File A Claim With Your Travel Insurance

L et's paint an all too familiar picture. You've been carefully planning that dream trip and mapping out each detail, from flights to hotels. But life, as it often does, throws a curveball. Suddenly, you're dealing with lost luggage, a non-refundable hotel room you can't use, or -- to make matters worse -- an unexpected illness.

That's when buying travel insurance comes into play, a financial safety net for unexpected trip cancellations, medical emergencies, or lost luggage. Travel insurance can make the difference between a total loss and a simple mishap while ensuring you're not left out in the cold and footing the bill.

But filing a claim with your travel insurance company can send you for a spin, especially when you're already dealing with the stress of disrupted travel plans. That's why understanding how, when, and where to file a claim when things go haywire is so important -- and might even increase your chances of getting that money back.

Filing A Travel Insurance Claim

With its fine print, novel-long contracts, and industry jargon, understanding your travel insurance policy can be daunting. Luckily, most providers are clear about what they cover and don't from the get-go. As a rule of thumb, generic travel insurance plans typically take care of baggage delays or losses, accidental death, medical emergencies, trip cancellations, and non-refundable bookings. Beyond that, more comprehensive policies like the ones by World Nomads and Allianz can also cover adventure sports, car collisions, and pre-existing conditions.

Once you've figured out if your situation qualifies within the scope of your plan, the most important thing is to file a claim quickly and efficiently. Many insurance providers impose strict deadlines -- often within 20 to 90 days of the incident, which means time is of the essence! Contact your travel insurance provider immediately after an incident to notify them and express your intention to file a claim.

Then, gather all the necessary documentation to back up what you've told them. This may include everything from medical records to police reports, receipts, confirmation emails, or any other paperwork that support your claim. After submitting your case and paperwork, you can expect to hear back from your provider within two weeks on whether or not your claim has been accepted and when you can expect to receive reimbursement.

Choosing The Right Travel Insurance Provider

When it comes to choosing a travel insurance provider, it's not as simple as picking the plan with the lowest premium. Let's face it: cheap travel insurance isn't always better, and it's worth paying a little extra to make sure you're properly being looked after. After all, peace of mind while traveling is priceless, and the right travel insurance provider can provide just that.

Using comparison tools like SquareMouth , take your time to dive deep into each policy to see what's covered and what's not, and to learn more about the insurer's reputation, their claim handling process, and the flexibility of their plans.

Lastly, don't hesitate to ask questions. If you're unsure about anything, contact the provider for clarification. At the end of the day, the right travel insurance provider won't just sell you a policy -- they'll take the time to educate and support you, so you can be confident about your coverage and jet off without a worry.

Read this next: Hotel Reservation Mistakes You Didn't Know You Were Making

June 1, 2020

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4 Mistakes to Avoid When Filing a Travel Insurance Claim

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Understanding pre-existing conditions and travel insurance

Choosing the right insurance policy for pre-existing conditions, purchasing travel insurance with pre-existing conditions, pre-existing conditions and travel insurance faq, how to get travel insurance with pre-existing condition coverage.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Most travel insurance companies offer waivers for pre-existing stable medical conditions.
• To qualify for a pre-existing condition waiver, you must buy insurance within a certain timeframe.
• Keep in mind that not all policies cover pre-existing conditions, so always double-check your policy.

Medical travel insurance is a great way to protect your health and finances when traveling. If you have a pre-existing medical condition, you might assume you can't get coverage. Luckily, many travel insurance companies offer pre-existing condition coverage in the form of a pre-existing condition waiver.

Here's everything you need to know about pre-existing conditions and travel insurance, including how to find coverage options if you have a pre-existing condition.

Even many of the best travel insurance companies define pre-existing conditions as a change in your medical record that includes tests, examinations, treatment, or changes in medication. The changes in your medical record usually result in a diagnosis, which becomes a pre-existing condition. But you do not have to receive a formal diagnosis for it to be considered a pre-existing condition.

Travel insurance companies consider medical conditions within a specified look-back period, or length of time. The medical condition must be stable to qualify for a claim. Conditions are stable if you do not need additional treatment, medication, or diagnoses.

But even if your medical condition is stable, you likely need a pre-existing condition waiver to get coverage if it suddenly worsens while you're traveling. 

Travel insurance look-back periods for pre-existing conditions

If you file a claim, the insurance company has a right to review your medical record and ensure that you did not have a condition related to the claim. This process is known as a "look-back" period since the insurance looks back through your records. 

The look-back period usually includes 60 to 180 days before you buy the policy. Before approving your claim, the insurance company wants to determine if the condition already existed.

The insurance company may approve or deny your claim based on what it discovers. To avoid dealing with the risk of denial, you can qualify for a pre-existing condition waiver instead. 

Many travel insurance companies offer coverage for travelers with pre-existing conditions. For example, Tin Leg Travel insurance , listed in our guide on the best travel insurance for best pre-existing conditions coverage, offers pre-existing condition waivers for all its plans except Tin Leg Economy. 

While there are many options for pre-existing condition coverage, the challenge is finding the right one for you. 

Comparing policy terms and benefits

When comparing insurance policies, you should pay attention to the coverage limits for emergency medical and acute onset of a pre-existing condition. You should also assess the time window in which you must purchase insurance to receive coverage for pre-existing conditions. If you've already waited a week before purchasing, you may already be ineligible for a waiver with certain companies. 

You can contact individual companies for quotes or work with a travel insurance comparison site like TravelInsurance.com, SquareMouth, or InsureMyTrip . Comparison sites allow you to review multiple quotes at once. You can usually filter results based on companies that offer pre-existing medical condition waivers. 

Regardless of which company you choose, it's important to understand the policies regarding pre-existing conditions and adhere to the requirements.

With a pre-existing medical condition waiver, you disclose your medical conditions to your insurance provider and ensure that the condition does not impact your ability to file a claim. If you have a waiver, you can even bypass the look-back period.

The waivers are set up through the travel insurance company and should not impact the cost of your policy.

Application process and documentation

You must meet the following criteria to qualify for a pre-existing medical condition waiver:

• Stable medical condition: Conditions are stable if you do not need additional treatment, medication, or diagnoses. You also need a letter from your doctor to confirm that you are medically fit to travel on the day of your trip.
• Get coverage within a certain timeframe: You typically need to establish coverage shortly after you make your first payment towards the trip, but timelines vary by provider. 
• Coverage must equal nonrefundable costs: If there are nonrefundable parts of your trip, your travel insurance coverage must equal or exceed that amount. 

For example, if you were diagnosed with high blood pressure a few years ago, but the condition has been stable since — your medication manages the symptoms, and you have not needed additional medical support — then you likely qualify for a pre-existing condition waiver. 

Some companies do not provide coverage if you have certain health conditions, such as depression, dementia, or Alzheimer's disease, but it varies based on the provider. The coverage details of your policy depend on the plan you select. But comprehensive travel insurance usually covers baggage delays, trip cancellations, and emergency medical care. 

No, many of the best travel insurance companies offer pre-existing condition waivers, so you can get coverage with a pre-existing condition as long as you buy ahead of time. 

A company can deny your travel insurance claim based on what it discovers in the look-back period if you do not have a pre-existing condition waiver.

Obtaining travel insurance for a pre-existing condition at the last minute is unlikely, as most insurers require purchasing the policy within a set time frame from your initial trip deposit.

Disclose your pre-existing condition during the application process by providing detailed and accurate medical information as required by the insurer.

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You are in section Home Insurance Travel Insurance Coronavirus Current Page

What’s covered by first direct Travel Insurance?

COVID-19 Frequently Asked Questions

If you have travel insurance with us, we’ve put together some Frequently Asked Questions about the impact of COVID-19.

The guidance covers all of the  first direct travel policies:

first directory Worldwide Travel Insurance.

Latest update

The rules for travel can change unexpectedly in relation to COVID-19 restrictions, both in the UK and abroad so before booking any trip, it's important to make sure you fully understand the financial risks, and book with flexible options wherever possible.

Travel insurance protects you against unforeseen and unexpected events, but not all situations are covered. Please make sure you understand the terms and conditions of your booking and your travel insurance policy.

Foreign, Commonwealth and Development Office (FCDO) advice

Under the terms of the policy it is essential you check the FCDO website Opens an overlay [Will show a security message first] for your destination, before you book a trip or purchase your travel insurance (whichever is later).

FCDO travel advice provides COVID-19 guidance and tells you about the risks of travelling abroad. Their advice is constantly being reviewed, and they may advise against non-essential travel to some countries and territories.

Different countries have different entry requirements – for example, you might need a negative COVID-19 test or proof of vaccination to enter. You can stay up to date with the latest foreign travel advice on the GOV.UK website Opens an overlay [Will show a security message first] .

Telling us if you’ve had COVID-19

Before you book a trip, you will need to check if we can cover any existing medical conditions that you or anyone covered by the policy has. See the Medical Conditions section of your policy booklet.

If you or anyone covered by your policy has previously tested positive for COVID-19, then you’ll need to tell us about this if you have:

• been prescribed medication by your doctor for COVID-19,
• visited hospital or A&E for COVID-19, or
• been referred for investigations or treatment for COVID-19. 

If this applies to you or anyone covered by your policy, you’ll need to tell us and we’ll ask you some medical screening questions to confirm if we can cover the condition.

Frequently asked questions

Here you’ll find answers to your specific questions around COVID-19. Please read through all the questions so you’re clear what exclusions and restrictions apply, as more than one scenario may be relevant to you.

If I test positive for COVID-19, am I covered to cancel my trip?

Yes, if you are forced to cancel your trip, as a direct result of a positive COVID-19 test you are covered for cancellation. You will need to provide confirmation and evidence of a positive test result.

If I get COVID-19 while on holiday, am I covered for medical treatment?

Yes, you are covered for emergency medical treatment and associated expenses, if you become ill with COVID-19 subject to policy terms and conditions.

If I’m unexpectedly quarantined abroad or onboard a cruise ship because of a positive test result, am I covered? 

Yes. If you unexpectedly need to quarantine, we'll cover:

• accommodation costs (of similar standard to what had been booked for the trip), if you need to stay beyond your planned return date, or you can’t stay where you planned because your pre-booked accommodation doesn’t meet legal requirements (for example you can’t reach your destination because you need to quarantine locally) 
• extra travel costs if your return ticket can’t be used
• we’ll also pay costs for any excursions you haven’t been able to use, where they can’t be recovered elsewhere.

It's important to check the entry requirements for your destination before you book, as you won't be covered if you don't meet them.

Am I covered to travel to a country if FCDO advice against travel is in place?

No. You are not covered for travel that goes against the advice of the FCDO or the local authorities in the area you want to travel to.

If an overseas government closes its borders to travellers from the UK, or brings in restrictions such as a lockdown or quarantine requirements, can I cancel my trip?

Your travel provider should be able to help with this, so first get in touch with whoever you booked your trip with to talk about your options.

If you can’t reschedule your trip or get a refund, you’ll be able to make a claim for non-recoverable travel and accommodation costs, if the restrictions are in place in the 31 days leading up to your trip.

You’ll only be able to do this if there weren’t any entry restrictions or FCDO advice against travel was in place when you booked your trip or purchased your cover (whichever was later).

If I can’t travel because I don’t meet the COVID-19 entry requirements for the country I’m travelling to, am I covered to cancel?

No. There’s no cover under the policy if you can’t travel because you don’t meet the entry requirements. You should contact your travel provider to see if you can reschedule your trip or get a refund. 

If you booked your trip before the entry requirements changed, and you can’t reschedule, or get a refund, then get in touch with the Aviva claims team who will consider your circumstances.

It's important to check your destination's entry requirements on the FCDO website before you book any trip. Your claim won’t be considered if these requirements were already in place when you booked.

My tour operator has asked me to provide proof of insurance. Where can I get this? 

How do I make a claim?

For any unrecoverable costs, please contact the Aviva claims team.

You can log a claim online: Please tell us about yourself (myclaimshub.co.uk)

Election latest: Police issue update on betting scandal - as PM and Starmer begin final push before polling day

Seven police officers are now being investigated over the election gambling scandal, with the Met also said to be "trying to take over all cases" being looked at by the industry watchdog. It comes as Rishi Sunak and Keir Starmer hit the campaign trail after last night's final debate.

Thursday 27 June 2024 11:49, UK

• General Election 2024
• Seven police officers investigated over election bets
• Met 'trying to take over all cases' in gambling scandal
• Starmer says Sunak 'bullied' into action in fiery final debate
• Jon Craig:  Climactic TV clash was like watching England at Euros
• Politics At Jack And Sam's:  One week to go
• Live reporting by Ben Bloch

Election essentials

• Manifesto pledges: Conservatives | Greens | Labour | Lib Dems | Plaid | Reform | SNP
• Trackers:  Who's leading polls? | Is PM keeping promises?
• Campaign Heritage:  Memorable moments from elections gone by
• Follow Sky's politics podcasts:  Electoral Dysfunction | Politics At Jack And Sam's
• Read more:  Who is standing down? | Key seats to watch | What counts as voter ID? | Check if your constituency is changing | Guide to election lingo | How to watch election on Sky News

The Metropolitan Police has just given an update on the investigation into bets around the general election.

Seven police officers have so far been identified as having placed bets on the timing of the election, the force said.

One of Rishi Sunak's close protection officers was arrested 10 days ago on suspicion of misconduct in public office. The officer has been bailed and is subject to restricted duties, the Met said.

A further six officers have identified as having placed bets on the timing of the election, and are under investigation by the Gambling Commission.

The Met also clarified exactly how the investigation will work.

Bets that are suspected to fall under the cheating section of the Gambling Act will be investigated by the Gambling Commission, and are "likely to make up the majority of cases".

The gambling watchdog is empowered to bring criminal prosecutions where crimes are suspected to have been committed.

Bets that are suspect to be in breach of the Gambling Act, but with "special features" that could mean other offences could apply, such as misconduct in public office, will be "assessed by the Met's Specialist Crime Command to determine what further investigation is required".

"The number of these cases is likely to be much smaller than those in the first category," the force said.

In a statement, Andrew Rhodes, chief executive of the Gambling Commission, said they are "focussed on an investigation into confidential information being used to gain an unfair advantage when betting on the date of the general election".

"Our enforcement team has made rapid progress so far and will continue to work closely with the Metropolitan Police to draw this case to a just conclusion."

He added that they cannot provide the names of anyone potentially under suspicion "to protect the integrity of the investigation and to ensure a fair and just outcome".

By Faye Brown , political reporter

Jeremy Hunt has donated a further £32,000 of his own money to his constituency party as he tries to avoid becoming the first sitting chancellor in modern British history to lose his seat.

Figures from the Electoral Commission show in the first quarter of this year, Mr Hunt made three donations to the Godalming and Ash Conservatives.

The chancellor gave £7,794 across two separate donations on 2 January, then another £24,451.30 on 8 February.

The 8 February donation is the largest single donation he has made to the local association, which has received £166,457 from him in total since 2014.

The vast majority of that has been cash donations, official records show, though £8,918 of it was non-cash.

Under electoral rules, MPs and candidates can donate to their local constituency accounting unit if they wish.

The Lib Dems said Mr Hunt is "throwing the kitchen sink at keeping his seat", amid warnings he could be ousted come polling day on 4 July.

The Surrey constituency has been a key target seat for Sir Ed Davey's party as they aim to demolish the Conservative "Blue Wall" in southern England.

Read more here:

The Met Police are trying to take over all live cases relating to the election date betting probe, but they are only being given a small number at this stage, a Gambling Commission source has told Sky News.

It is understood commission officials have stressed the importance of the investigation being independent, but that the police want to lead on investigations into their own officers as well as parliamentary candidates and officials.

The Gambling Commission source told Sky News if the Met Police take over all cases, the politicians identified will be arrested under caution and may be interviewed with commission officials present.

However, a Gambling Commission spokesperson said that this is not true.

Earlier, the Met Police announced it would take the lead on investigating "a small number of cases" related to the Westminster betting scandal (see post at 6.48am ).

Our live poll tracker collates the results of opinion surveys carried out by all the main polling organisations - and allows you to see how the political parties are performing in the run-up to the general election.

With just a week to go, the Tories and Labour have taken a drop, while support for Reform UK and the Liberal Democrats is on the rise.

Read more about the tracker  here .

We reported yesterday that a man had been arrested on suspicion of harassment and committing offences under the Online Safety Act in connection with the Westminster honeytrap scandal.

Earlier this year, at least 12 men in political circles received unsolicited, flirtatious WhatsApp messages from people calling themselves "Charlie" or "Abi", Scotland Yard said.

Explicit images were exchanged in some instances.

In an update this morning about the man arrested, the Met Police said: "He was taken into custody and has since been bailed until a date in late September."

Sky News understands the man was immediately suspended from the Labour Party after it was notified that the person was a party member.

By Jason Farrell , home editor

No visit to Edinburgh is complete without a hike up Arthur's Seat, an ancient extinct volcano which rises 250 metres above the city.

And as we are travelling across Britain with a parliamentary bench - it just seemed appropriate to plonk our seat on top of Edinburgh's.

At the foot of Arthur's Seat sits Holyrood, home of Scotland's devolved government, and here we met a primary school teacher who later decided he didn't want to be named, but his views reflected the shifting mood in Scotland.

"I'm leaning towards Labour, I previously voted SNP, but it's a tactical vote because I don't want to see another Conservative government," he said.

While still supporting the idea of an independent Scotland, the teacher said he "doesn't know if it's realistic anymore".

Since the departure of Nicola Sturgeon, then Humza Yousaf, following his broken alliance with the Greens, the nationalist dominance in Holyrood is less formidable and that will be reflected in this election.

Scotland has 57 seats on the green benches of Westminster.

In the last election Labour got just one of them, the SNP got 48. A few years ago, the prospect of Labour becoming the largest party in Scotland seemed about as realistic as someone hauling a parliamentary bench to the top of Arthur's seat.

But, take a screwdriver to a bench and break it down - the task becomes less daunting - and a more fractured SNP makes Labour's ambitions of re-conquering Scotland plausible.

We borrowed the muscle of three Scottish students to help cart our deconstructed bench up the rocky path towards Edinburgh's highest peak.

Watch the full report below - and read more here .

Sir Keir Starmer has said repeatedly through the general election campaign that he will not be able to give the 35% pay rise the junior doctors are asking for because it is unaffordable.

In reaction to that, co-chair of the BMA junior doctors committee, Dr Rob Laurenson, told Sky News the Labour leader "would do well not to repeat the mistakes of Rishi Sunak and to empower his health secretary to negotiate in good faith".

He said they have been listening to shadow health secretary Wes Streeting, who has been "talking about a journey, not an event".

"We're very much happy to talk about how we get to pay restoration - we've always said all along that we'd be happy to have this in a multi-year pay deal and not all in one go."

But more broadly, he said junior doctors are currently paid £15 an hour, and they want an increase to £21 an hour, which he insisted is affordable.

"The government has spent £3bn on strikes, and pay restoration costs £1.3bn.

"So if an incoming government under Keir Starmer wants to continue lying, then it looks like strikes will have to continue as well."

Junior doctors are on strike today as part of their long-running dispute over pay, and we just spoke with Dr Rob Laurenson, co-chair of the BMA junior doctors committee.

We asked for his reaction to both parties criticising this industrial action, and he replied: "I'm not really surprised that no one's happy about this situation. We're not happy about this situation."

He said it has been four months since they last took industrial action, and they've "tried to negotiate in good faith during that time", but he blamed the government for a resolution not being reached.

Asked if he can understand why some may view the strikes as cynical given that a resolution will not be reached during the election campaign, he replied: "Not at all, and this is precisely why the government is lying to everyone."

He said their ask during this set of strikes is for a "credible commitment" from Rishi Sunak - as with any other manifesto commitment - to restoring their pay to 2010 levels.

"Rishi Sunak's made a big point about making clear plans and giving bold action. But the truth of the matter is he has no plan."

Dr Laurenson called on the PM to "sit down, drop the rhetoric, talk about pay", otherwise the strikes will have to continue.

It was reported yesterday that Labour's Darren Jones told a meeting in his constituency that the party's net zero plans would cost "hundreds of billions" of pounds.

Mr Jones told Sky News after the debate that the vast majority of that money would come from private investment, and the party's shadow education secretary, Bridget Phillipson, reiterated that to us this morning.

She said: "What we know from conversations with businesses is that there is a real appetite and willingness to invest here in the UK, and it's how government can work together with business to drive that investment to drive those jobs and the growth that will be so essential in the years to come.

"So it's not simply about the spending of public money, it's about how you lever in wider private investment."

She added that "everything in our manifesto is fully funded and fully costed".

Asked what happens if that private sector investment does not materialise, she dodged the question, reiterating that Labour has an "ironclad commitment" that they will "not increase VAT, income tax or national insurance".

We just spoke with Bridget Phillipson, Labour's shadow education secretary, and we asked about the junior doctors' strike and how quickly Labour would reach a settlement with them.

She did not give a timeframe, saying it's a "process of negotiation".

"But in order to get to a settlement, you've got to be around the table having that conversation.

"And that's something the Conservatives time and again have failed to do where it comes to our NHS."

She added that negotiations with junior doctors would be "a day one priority" if Labour is elected to government next week.

Asked if it is provocative for junior doctors to strike just days before the general election, she replied: "It's disappointing. I wish the strikes weren't going ahead.

"It represents a long-standing failure to reach an agreement."

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