Travel Insurance Claims | BCAA (2024)

FAQs

Is it worth claiming on travel insurance? ›

Travel insurance can give you extra protection if your holiday doesn't go as planned. This is very important if you are travelling independently because you may find yourself stranded with no way to get home and no rep to help sort out your holiday problem.

By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain.

When filing a travel insurance claim, your insurer will require you to provide documentation to substantiate your claim. Very often, the insurer will require copies of airline tickets, police reports, medical bills and reports, carrier irregularities report and original purchase receipts etc.

Travel insurance compensates you for money you lose due to unforeseen events before and during your trip. Just as importantly, it can pay for emergency medical care and evacuation during your trip.

Depending on the plan, some of the other things that travel insurance won't usually cover include: Any unlawful acts. Participation in organized amateur and interscholastic athletic or sports competition events. Being under the influence of drugs or intoxicants, unless prescribed by a Physician.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

For most travel insurance plans, you must file your claim within 90 days of the incident, also known as the timely filing limit. Submitting your claim outside the timely filing limit could result in your claim being denied.

The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.

The industry insists that its rejection rates are low. About one in six policyholders will file a claim on their insurance, according to the association, and fewer than 10% of those claims are denied.

Sometimes, a travel insurance company will list the reason for the denial. For example, you may need to provide more documentation for your claim. Those types of claim rejections are relatively easy to deal with as long as you have the right documentation.

How long does it take to make a travel insurance claim? ›

Is there a time limit on travel insurance claims? You should notify us of a claim as soon as possible. You can do this online or by calling 0333 333 9702 (1). All claims, however you make them, should be submitted within 60 days of returning from your trip.

Gather Documentation

You can consider your booking confirmations, itineraries, and proof of payment for the trip. For medical claims, you'll need medical certificates, bills, and receipts. In case of theft, loss, or accidents, file a police report and obtain a copy.

If you file a claim and we make a payment, it is very likely that your rate will increase at renewal. Because of the incident, you're likely to pay a higher rate for three to five years.

So, what does travel insurance cover? Here's the very short answer: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance.

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.