Did you file a travel insurance claim only to find out it was denied?
Filing a claim isn't that hard if you follow the insurance company's instructions, fine print and
demands requests to the tee. If you don't, you'll probably find out your claim was a failure or at the very least, delayed.
The number one reason your claim failed is not following directions, whether it was something as simple as notifying the insurance company sooner enough of an issue or not sending in your proof.
Here are the steps I take to avoid having my travel insurance claim denied:
- I read my policy.
- Contact the insurance company as soon as I can after an issue (must be within a reasonable time frame, usually no more than 3 to 4 days).
- Collect my proof: take pictures, gather receipts, witness statements, police reports, or whatever the insurance company requests.
- Carefully fill out my claim form.
- Gather all the documents and proof into one location.
- Check and then recheck my form.
- Send off to the company using the requested method.
By following these steps, David and I have never had a travel insurance claim denied. We have had delayed because the insurance company wanted more information, which does happen sometimes.
So don't have your claim denied for one of the Top 10 reasons when you could have easily avoided it.
And don't forget to find out more about travel insurance by reading our Complete Guide to Travel Insurance, available on Amazon.
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