If you are travelling overseas, then you will need to have travel insurance in place. This will provide you with financial protection that is designed to assist with the cost of medical emergencies, delayed flight as well as loss and theft. With the cover in place, you are protected but should you make a claim, you will need to submit it correctly and on time. While there are many different scenarios that might affect your claim, you need to make sure that you follow procedures to ensure that your travel insurance claim is not rejected.
For Medical Emergencies
When you travel overseas, you can fall ill or have an accident at any time. There are risks associated with travel such as the country you are travelling to where you contract illnesses and so, should the worst happen you need to know how to deal with it.
If you find yourself in this position then you can send your travel insurance company an email or make a call to inform them. Should your claim be accepted then some insurance companies will enable you to receive cashless treatment without you having to foot the bill. In order to make the settlement process easy, you should keep all invoices, prescriptions and medical reports so you adhere to all travel insurance procedures. You will also need to make sure that you correctly sign all documents and date them accordingly.
For Baggage Delays
It is very common for travellers to either have their luggage lost, stolen or delayed while travelling. This can prove to be very frustrating but travel insurance is designed to cover you for these eventualities. If it does happen to you then you should ensure that you submit all receipts for basic items as soon as possible after the delay. You should also keep your tickets and a copy of your boarding pass and a baggage delivery receipt to prove the dates that you traveled. Your travel insurance provider will then be able to reimburse you. So, once you arrive home, make sure you submit your travel insurance claim along with all the relevant documents.
Additional Reading: A Review of Adamjee Travel Insurance Plans
For Lost or Stolen Passport
You will need your passport to move between countries and even carry out some transactions so as soon as it goes missing you will need to inform the police and your travel insurance provider. When it comes to obtaining a new passport, you should make sure that you keep proof of all associated costs as this can prove to be an expensive process. These receipts will then have to be submitted to your travel insurance company when you return home. Your travel insurance provider will require proof of identity as well as all receipts and documentation from the embassy. There can be a lot of documentation that forms part of this process so you will need to make sure that you keep it all for your travel insurance claim.
For Cancelled Trip
There are many reasons why you might need to cancel your trip such as illness or family problems and that can leave you out of pocket. However, travel insurance is designed to cover you for any financial loss that you suffered as a result of the trip being cancelled. If your trip is cancelled then you will need to inform your travel insurance company about the change of plan as well as the reason. You will then need to provide your insurance company with evidence of why the trip was cancelled. This could be in the form of hospital receipts, a police report or even a death certificate. If you are travelling overseas then it is important that you make sure you have the right level of cover in place. To find the right travel insurance for you, Mawazna.com makes it possible for you compare prices and cover between a wide range of providers, enabling you to find the right travel insurance for your needs.
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