If your holiday does not go according to plan, travel insurance will provide additional protection. If you’re traveling alone, this insurance is vital as you could be left without a way to return home or a representative to assist you.
While you are traveling, make a claim?
You should always keep your insurance policy number, as well as emergency contact information, with you. This will allow you to quickly and easily identify the right person to call if you have any problems. Check that you have the correct number if you are traveling abroad.
When you return home, make a claim
Before you submit your claim for your travel insurance, make sure you check these things:
- You are within the time limit for filing a claim
- You’re covered for the claims you make
How much excess you have. Your insurer will deduct the excess from your claim. If the amount you are claiming is less than this, it may not be worthwhile to file a claim.
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The fine print. You should read the fine print to ensure that nothing is prohibited from you claiming.
If it’s a new policy or an old one. If it’s not, the amount you receive for the items you claim for will be lower than the cost to replace them. This is because your insurer will deduct money for wear and tear.
Get in touch with your insurance company as soon as you can and ask them for a claim form. You may be able send it to them electronically to speed up the process. Make sure you complete the claim form correctly and keep a copy.
All paperwork supporting your claim must be included, including medical certificates and receipts. Keep a copy of all original documents in case your claim is denied or questioned.
Your insurer might ask you if there is any other insurance that could cover the claim. If you have any other insurance that might also provide coverage, such as home contents insurance, it is important to inform your insurer.
Claim for stolen, damaged or lost luggage
While you are traveling, you must take reasonable care to protect your belongings. Your insurer will require evidence to prove that you did.
Within 24 hours of your belongings being lost or stolen you must notify the police. If that is not possible, you can tell your hotel manager, tour representative, or transport provider to get a written report.
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Request receipts to support your claim if you need to replace essential items such as toiletries and emergency clothing.
For medical emergencies or personal injuries, you can file a claim
You should contact your insurance company immediately if you require medical treatment while you are away. This should be done before the treatment is performed, even though it may not always be possible in an emergency.
It is possible that you will have to pay upfront for medical treatment, and then claim the money back once you return home. You should always get receipts for any medication or treatment you receive.
You may not be covered for treatment if your travel insurance company does not know about any health problems you have.
You might not be eligible to claim for any medication you take while on vacation.
You can use your European Health Insurance Card (EHIC) to access healthcare in the EU, even if you are a UK resident.
You can apply online for a UK Global Health Insurance Card (GHIC), even if you don’t already have one or your expiring EHIC. A GHIC can be used to receive healthcare in EU countries at a lower cost, or even free.
To get the medically required healthcare in Norway, you can use your UK passport if you are visiting. Some countries have arrangements with the UK that provide free emergency treatment.
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If you’re in good health, you should have travel insurance that covers pregnancy. Some airlines may not allow you to fly if your baby is due in the next few weeks.
If you need to cancel or reduce your trip, you can file a claim
Your insurer will not accept a claim if there is a valid reason to cancel or shorten your trip. These reasons could include:
- Unexpected death, illness, or injury to you, your partner, or others travelling with you
- Unexpected damage to your home, such as a fire or burglary, can occur
- you’re made redundant
- You are pregnant and advised to not travel after taking out insurance
- You are called to jury service or as witness in court
Your insurer will typically only reimburse extra travel costs and any time you are not using your holiday accommodation if you need to return home early.