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The facts about travel insurance claims
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Posted On :
Jun-10-2009
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Article Word Count :
485
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Buying travel insurance is relatively easy these days since it can all be arranged online.
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Buying travel insurance is relatively easy these days since it can all be arranged online. Policy documents, exemptions, contact numbers and anything else you need to know is available on the insurance company’s website. What is less publicised and known about is what to actually do if you need to make a claim.
It is understandable that people panic in emergency or unexpected situations, but a little bit of composure should allow things to be sorted out pretty quickly. It’s easy to get caught up in worrying about what might happen. But there’s usually nothing to worry about. There are a few simple points you need to remember that will allow you to ensure things work out okay.
The biggest tip is to take several copies of your policy information with you. The numbers to call, your policy number, a brief summary of your schedule are all important bits of information that could help sort things out with a minimum of fuss.
Generally, the sooner you contact your insurance company the better. In cases of medical emergency this is important. In non-life threatening cases, and where you don’t have full details of your policy with you, it might be best to contact the company to see if you’re covered before you opt for whatever insanely expensive treatment you may need.
If you’ve lost something or had it stolen, it is possible to make the claim once you have returned to the UK. Just watch out for time limits. The claim might have to be made within 30 days of the incident. What you do need to do, however, is report all theft to the local police, and obtain a crime report.
Dealing with the authorities in some places isnt like dealing with them in the UK,in fact its a world apart. As any good guide book will tell you, in some countries bribing the police to get things done is just a part of life, particularly if you are a tourist. Be patient and offer a small sum if you find you are getting nowhere.
Another common claim is for baggage lost by airlines, hotels or transport companies. The thing to watch out for here is accountability. It’s important that, if possible, some sort of admission of culpability is obtained to forward to your insurer. It wouldn’t be unheard of for an airline to deny losing something even after their staff admitted to the fault at the time.
In the information age getting in touch with your insurer, even if you’ve lost your wallet with all the contact details in, isn’t usually going to be that difficult. Even if you don’t have a policy number to hand, the staff at the insurance office should recognise your name and be able to confirm your details through some sort of password system set up when you bought the policy.
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Article Source :
http://www.articleseen.com/Article_The facts about travel insurance claims _1013.aspx
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Author Resource :
Visit etravelinsurance.co.uk for your student travel insurance. You may find that you need to return home during your trip. Unlike most backpackers travel insurance etravelinsurance.co.uk allows you to return home up to 3 times during your trip for up to 14 days at a time without voiding your policy.
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Keywords :
backpackers travel insurance, student travel insurance,
Category :
Finance
:
Insurance
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