How do I make a claim on my travel insurance policy?

 File your claim as soon as possible after the incident. Submit all required documentation (receipts, police reports, medical records) and follow your policy's specific claim procedure.

  • Contact your insurer immediately (many provide 24/7 claims hotlines)

  • Gather all supporting documents: receipts, police reports (for theft), medical records, airline delay letters, itinerary, and proof of payment 

  • Complete the claim form fully and accurately, incomplete claims cause delays 

  • Submit within the timeframe specified in your policy (often 30-90 days)

  • Keep copies of everything you submit 

  • Claims processing typically takes 1-8 weeks depending on complexity

  • If your claim is denied, understand the reason, you may be able to appeal with additional documentation

You may also like: Can I buy travel insurance after I have already started my trip?

Official resource: U.S. Department of Transportation

Traveling soon? See our Travel Essentials page.

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