Because your trip is important enough to leave by accident. For a small fraction of your travel expenses, you can rely on travel insurance to save the day when things get messy.
If you have to cancel your trip for a covered reason,
Travel insurance can refund your prepaid, non-refundable travel expenses. Without insurance, you could lose the money you paid for your vacation rental, car rental, hotel, air travel, and much more.
If you have a covered travel or baggage delay,
Travel insurance can cover expenses such as hotels and food. Without insurance, delays can be frustrating and expensive.
If you experience a covered medical emergency,
Travel insurance helps you get high-quality care and reimburse the medical expenses that are covered. Without insurance, you will have to pay out of pocket.
If your rental car gets damaged, lost or stolen,
Travel insurance can cover the loss. Without insurance you will get a bigger bill.
If you face an unexpected crisis,
Travel Insurance links you to a 24-hour hotline for specialized expert assistance and advice. Without insurance, you are alone.
4 Mistakes to Avoid When Filing a Travel Insurance Claim
So, something bad happened on your journey. Maybe it’s a lost bag, a canceled flight, a long delay, or a medical emergency. Fortunately, you bought travel insurance that can cover travel accidents like this. But to get replenishment quickly, you have to make a claim – you have to do it the right way. Here are four common mistakes people make in the process of paying insurance for travel insurance.
01.Forgetting to check your plan limits.
As you get ready to sail on a luxury yacht in the Baltic Sea, pack a couple of designer gowns and jackets with your favorite David Jurman bracelet and earrings. Once inside the ship, you realize that your suitcase never reached your cabin. But when you file a lost/stolen luggage request, you find that you are not reimbursing the full value of your luggage.
Each plan has specific coverage limits for each benefit, which are set out in the design documentation. In this case, if the traveler buys OneTrip Prime, she will have up to $ 1,000 lost/stolen baggage benefits. However, the maximum limit is $ 500 for all items, including jewelry, watches, gems, fur, cameras and camera equipment, camcorders, sports equipment, computers, radios, and other electronics. (You must provide original receipts for these items, or they will not be covered.)
When packing for a trip, it’s a good idea to keep these limitations in mind. Consider packaging it when you wear or carry your jewelry. You may want to split other expensive items between two checked bags so you don’t lose everything if one goes missing. Also, document the contents of your suitcase with photos and receipts.
2. Exaggerating your losses.
You have a miserable time on your Bahamas vacation. The weather is cool and rainy, your resort has seen better days and now you too have a bad stomach ache. When you see a local doctor, she says it’s just indigestion. Ignoring her diagnosis, you go home early and claim travel interruptions due to a serious illness. Your claim was denied.
It can lead to an exaggeration of information about the illness, injury, theft, or other loss to get some money back from your travel insurance plan. Don’t do this! When you misrepresent the facts in a claim, it is a travel insurance scam, simple and straightforward. In this case, our claim investigators will request your medical report from the doctor who saw you. When we find out that you have a minor illness and the doctor did not advise you to interrupt your journey, we will reject your statement.
3. Failing to provide documentation of your loss.
You are about to leave for a week-long trip to Vietnam. But when you drive on the highway to the airport, another driver hits you. Your car is complete, and you end up whipping at the hospital. Accidents on the way to your destination can be considered a cover to cancel the trip if you need medical treatment, or it is not safe to drive if you need to repair the car. When you file your claim with the help of Alliance Global, you will be sent your travel and flight receipts as well as a picture of the scene of the accident. But it is not enough documents, you will be told.
When you make a claim, you must thoroughly document all of your travel expenses, reason for cancellation, and refund. The list of documents includes Allianz Global Assistance Requests:
- Receipts and itemized bills for all expenses.
- Document refunds or allowances received from your travel operator, travel agency, public carrier, resort, property management company, or other institution.
- Copy of confirmation of vacation / vacation lease contract
- Any relevant documents that officially explain the reason for canceling or interrupting your visit.
- Any explanation of the diagnosis with proof of your original itemized bills, receipts, and other insurance payments.
- Unused original tickets, copies of invoices, proof of payment, and other documents confirming the cost or occurrence of the cancellation or interruption of the trip.
- Documenting refunds received from the travel supplier and/or public carriers.
- A copy of the supplier’s literature describing the ties.
- A letter from the travel agent or a bill from the travel agent stating that the cost of the trip will not be refunded.
4. Waiting too long to file a claim.
The March flight from London to Prague was based on mechanical difficulties so you had to spend the night in London. For spicy curries you can take the pipe to Brick Lane and book a hotel for the night, knowing the benefits of your travel delay can cover reasonable costs for extra food and accommodation and may be delayed for a reason you cover. But you do not need to claim until July – then it will be rejected.
Do not delay filing claims! Except as provided by law, you have 90 days from the date of your loss to submit your claim to us.