Making a claim on your travel insurance – Citizens Advice

make a claim while traveling

Make sure you have your insurance policy number and emergency contact information with you. this is so you know exactly who to talk to first if you have a problem and can resolve it as quickly as possible. if you travel abroad, make sure you have the correct phone number.

claim upon arrival home

If you need to make a claim on your travel insurance policy when you get home, please check the following before submitting your claim:

Reading: How do travel insurance claims work

  • you are within the time limits to file a claim
  • is covered by what you are claiming
  • how much is the excess. the deductible is the amount of money that your insurer will deduct from the claim. it may not be worth making a claim if the amount you are claiming is less than this
  • the fine print. make sure there is nothing in the terms and conditions that prevents you from claiming
  • if it is a new for old policy. if not, the amount you receive for the items you are claiming will be less than the cost to replace them. This is because the insurer deducts money for wear and tear.
  • contact your insurer as soon as possible and ask them to send you a claim form. they may be able to email this to you to speed things up. Please fill out the claim form carefully and keep a copy for yourself.

    You will need to include copies of all documents that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is disputed or denied.

    Your insurer may ask if you have other insurance that may cover the claim. She will need to let them know if you have other insurance that may also provide coverage, such as home contents insurance.

    make a claim for lost, stolen or damaged items or luggage

    You are expected to take reasonable care of your belongings while traveling. the insurer will want to see evidence that you did this.

    See also: How long is a policy number for car insurance

    If your belongings are lost or stolen, you must report them to your local police within 24 hours of the items being lost. If this is not possible, tell someone else, such as your tour representative, hotel manager, or transportation provider, and get a written report.

    If you need to replace essential items, like emergency toiletries or clothing, request receipts to submit as evidence with your claim.

    make a claim for medical emergencies and personal injuries

    If you need medical treatment while you are away, try to contact your insurer immediately and ask them to accept the treatment. you should do this before it takes place, although this may not be possible in an emergency.

    You may need to pay for medical treatment up front and claim it when you get home. always make sure you get receipts for any treatment or medication you are given.

    If you didn’t tell your travel insurer about an existing health problem before you took out insurance, it may not be covered if you need treatment for it while you’re away.

    You may not be able to claim the cost of any medications you normally need and have to take while traveling.

    See also: STD Test Pricing | Better2Know

    If you’re a UK resident and have a European Health Insurance Card (EHIC), you can still use it to get medical care in EU countries until it expires.

    If you don’t have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website. you can use a ghic to get medical care in eu countries at a reduced cost or sometimes for free.

    If you are visiting Norway, you can use your UK passport to get necessary medical care there. Some countries have agreements with the UK to provide free emergency treatment.

    Travel insurance should cover you during pregnancy if your health is normal. however, some airlines will not allow you to fly if your baby is due within a few weeks.

    make a claim if you have to cancel or shorten your trip

    If you need to file a claim because you canceled or shortened your trip, your insurer will only accept your claim if they have a good reason to do so. reasons may include:

    • Unexpected death, illness, or injury to you, your partner, or people traveling with you
    • your home is subject to unexpected fire, burglary or damage
    • you’re fired
    • you are pregnant and you are advised not to travel after taking out the insurance
    • You are called to serve as a jury or as a witness in court.
    • If you have to return home early, your insurer will normally only reimburse you for additional travel expenses and the cost of unused time in your holiday accommodation.

      See also: Healthcare for UK nationals living in Spain – GOV.UK

      next steps

      • if you need more help
      • other useful information

        • medical treatment in other countries