: Covers emergency treatment, hospital stays, and sometimes medical evacuation or repatriation.
: Before claiming, contact your airline or hotel for a refund. Insurers often only cover "unrecoverable" costs and may ask for evidence of these attempts.
Filing a claim is a detailed process that often requires proof of every expense and incident. TRAVEL INSURANCE
: Covers loss, theft, or damage to personal items and luggage.
: Reimburses non-refundable costs if you must cancel or cut a trip short due to covered reasons like illness. : Covers emergency treatment, hospital stays, and sometimes
: Documentation is the most common reason for claim denial. Save all itemized bills, booking invoices, and credit card statements.
: For thefts, get a police report within 24 hours. For medical issues, obtain a signed medical certificate from the treating physician. Filing a claim is a detailed process that
: Understand your "excess" (the amount you pay toward a claim). If a lost item is worth less than the excess, a claim may not be worth filing.