When it comes to travel insurance, we all hope that we will never need to use it but in the event that we do need to claim we hope that the process is straighforward and that our claims are accepted.
If you find yourself in a position where you need to claim, there are ways to improve your chances of getting your travel insurance claim paid – take a look and make sure that you are doing the following:
When it comes to travel insurance, it's important to look for the policy that covers all of your needs – not just the one that's the cheapest. So if your trip is going to include adventurous activities, or if anyone on your policy has been ill recently, make sure your insurance covers this.
Not all policy terms are the same, so make sure that you read up on your terms and conditions and act accordingly. Any pre-existing medical conditions should be disclosed when you sign up, and you should keep your insurer informed of any subsequent changes to your health.
Most policies have a time limit on them, so file claims as soon as possible and send the necessary documents when requested. You should also keep any relevant receipts or objects (if, for example, you are claiming for an item that got broken during your travels).
If you think that your claim has been unfairly rejected, you can complain to your insurer in writing or via email. They will look at your case again and get back to you within eight weeks; so make a note of who you spoke to, and when.
If an insurer does not handle your claim within the eight-week period, you have the right to refer it to the FOS for further review. This could be well worth your time and could hopefully mean that your claim gets accepted.