What is the Travel Insurance Claims Process Like?

ti-claimsTravel insurance is one of those things that people hear about and briefly consider before deciding that they don’t need it. Tourists can lose thousands of dollars if they don’t have any type of insurance. Trip insurance covers a variety of things, including flights, rental cars, hotel rooms and more. It only takes one canceled trip before a traveler learns the importance of insurance. Those who purchase this type of insurance need to understand how to file a claim and how the claim process works.

The first thing that a person needs is proof of the cancellation. A large number of people who purchase travel insurance find that they need to cancel their travel arrangements because of a medical emergency. Those people need documents from a doctor. For example, the doctor can write a letter that says the person could not travel because of illness. For an illness relating to another family member, the claimant still needs a signed document from the doctor. Insurance providers also require documentation from a licensed doctor if a person cancels a trip because of an emergency. The insurance company will not accept a letter from an individual claiming that he or she broke a leg without proof from an attending physician.

The next step involves gathering all of the appropriate paperwork. When someone files an insurance claim, the person must show the loses incurred as a result of the cancellation. This might include a letter from a hotel, or the individual might show credit card statements that show charges incurred because of the trip. Many hotels now charge a deposit when someone reserves a room, and if that person cancels the room, the hotel might charge a fee for the cancellation or retain the original deposit. Those with trip insurance can often make a claim to remove any fees or charges associated with the trip.

Once an individual is ready to make a trip insurance claim, it’s time to contact the insurance provider. Many companies now have online systems that let customers file an initial claim over a computer. Those who prefer talking to a real person can contact the company and ask to speak with a claims department representative. The representative will go over the entire process, request information about any charges and help the person file the claim. The trip insurance provider will often request that the customer send copies of all paperwork and documents to the head office before paying on the claim.

AXA Assistance USA

Posted by on Nov 5, 2017 in Travel Insurance Company Reviews | 0 comments

AXA Assistance USA

AXA does business under the AXA Assistance USA brand in the United States. They are underwritten by American Modern Home Insurance, which is rated A+ (Superior) by A.M. Best.

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April Travel Protection

Posted by on Nov 5, 2017 in Travel Insurance Company Reviews | 1 comment

April Travel Protection

April International does business under the April Travel Protection brand in the U.S. They are underwritten by American Modern Home Insurance, which is rated A+ (Superior) by A.M. Best.

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IMG (International Medical Group)

Posted by on Nov 4, 2017 in Travel Insurance Company Reviews | 1 comment

IMG (International Medical Group)

IMG is an established player in the travel medical space. They are owned and underwritten by Sirius International Insurance Group and have been in business since 1990.

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CSA Travel Protection

Posted by on Apr 21, 2015 in Travel Insurance Company Reviews | 3 comments

CSA Travel Protection

CSA Travel Protection is an established global player in the travel insurance industry. They are underwritten by Generali U.S. Branch. CSA Travel Protection has been in business since 1991.

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World Nomads

Posted by on Jan 20, 2015 in Travel Insurance Company Reviews | 2 comments

World Nomads

World Nomads is an insurance company specializing in providing coverage to travelers worldwide. With travel insurance offerings in more than 150 countries, it has some of the most extensive reach of any company in the industry.

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RoamRight

Posted by on Dec 22, 2012 in Travel Insurance Company Reviews | 11 comments

RoamRight

RoamRight is a travel insurance company founded by experts with a combined experience of more than 60 years in the industry. They offer customizable plans to protect you while traveling with competitive pricing and coverage.

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Travelex Insurance

Posted by on Apr 25, 2012 in Travel Insurance Company Reviews | 11 comments

Travelex Insurance

Travelex has over 55 years of experience in the travel insurance business and is a leading provider of travel protection. Their travel protection plans offer a variety of features, benefits and emergency assistance services.

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Allianz Global Assistance

Posted by on Apr 25, 2012 in Travel Insurance Company Reviews | 12 comments

Allianz Global Assistance

Allianz Global Assistance is a travel insurance company that has always believed in fair prices for their insurance plans. They offer affordable insurance with services that are essential to those who travel abroad.

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Travel Guard

Posted by on Feb 22, 2012 in Travel Insurance Company Reviews | 18 comments

Travel Guard

Travel Guard has been around for more than 20 years. They are the leading travel insurance provider in the United States. They have thorough travel insurance plans that are sent to about 15,000 travel companies throughout the world.

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Travel Insured International

Posted by on Apr 23, 2011 in Travel Insurance Company Reviews | 8 comments

Travel Insured International

Travel Insured International is one of the top trip insurance providers and has been offering solid insurance plans for decades. Their trip protection plans are a combination of comprehensive coverage and financial prudence for travelers.

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