Travel insurance, the one thing that us travellers always buy with the idea that it's an added layer of protection in case something unfortunately goes wrong during our holiday. However, a large number of people are unsure as to how they would go ahead and claim back on their travel insurance policy if they fall victim to theft, lost baggage or a delayed flight. Knowing how to claim on your travel insurance is important not only because it will reimburse money spent on medical bills or on the replacement of items but will avoid being stranded in another country.
What Can You Claim On and How?
Even though there's tons of different insurance providers offering a wide variety of insurance cover for specific incidents - the main features covered will include medical and personal injury, lost or stolen baggage, theft of personal items, cancellation or abandonment of a holiday as well as delays within the airline.
Claiming On Your Travel Insurance
What Happens If I'm Not Satisfied?
If you're not satisfied with the outcome of your claim, then firstly request a final letter of response from the insurance provider you took our your travel insurance with. This will outline their reasons for rejecting your claim as well as the date it was rejected. From there you can then take it to the Ombudsman, if you live in the UK, or a place such as Citizen's Advice or similar. An Ombudsman's job essentially is to resolve a complaint before it escalates and goes to court. The Ombudsman may take a while - I'm currently in the middle of a claim which has been going on for 3 months as I needed to provide additional information as well as the Ombudsman having thousands upon thousands of claims that need investigating. If you're then not satisfied with the service as you're unable to gain help then you can complain to the Ombudsman once again and from there research other organisations that may be able to help with your claim.
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