Documentation varies by claim type, but commonly required documents include:

• Travel insurance policy number
• Passport and visa copy
• Flight tickets and boarding pass
• Receipts for expenses (e.g., medical bills, hotel costs)
• Doctor’s report or hospital discharge summary
• Police report (for theft or lost items)
• Proof of delay or cancellation (airline letter or PIR)

Traveller must need to inform about the incident to the insurance company immediately. Most insurers require you to submit the claim documents within 30 days of the incident or your return date. Always check the deadline in your policy terms.

Processing time depends on the insurer and claim complexity. On average:

• Simple claims: 7–14 business days
• Complex claims: Up to 30 days or more
  You’ll be notified if more documentation is needed.

Yes, most major insurers now offer online claims portals or apps. Some also allow email submissions. Paper-based submissions are still accepted by many but may take longer.

Submit as many documents as possible initially, and notify the insurer of missing items. You may be given time to provide additional proof, but incomplete claims can be delayed or denied.

In most cases, yes—you’ll pay out of pocket and get reimbursed later. However, for serious emergencies, many insurers can coordinate direct billing with hospitals if contacted immediately.

Yes. Each benefit (e.g., medical expenses, baggage loss, trip cancellation) has a maximum coverage limit stated in your policy. Exceeding these limits means the excess costs are your responsibility.

Common reasons for denial include:

• Non-covered reasons (e.g., voluntary trip cancellations)
• Claims for pre-existing conditions without a waiver
• Incomplete or false documentation
• Alcohol or drug-related incidents
• Traveling against government advisories

You can appeal the decision by providing additional documentation or clarification. Most insurers have a claims dispute resolution process. If unresolved, you may contact an insurance ombudsman or regulator.

Yes, you can file multiple claims under different coverage sections of your policy, as long as each claim falls within its respective limits and documentation is provided.

You must disclose any refunds or reimbursements from other sources. Insurers won’t duplicate compensation, and your claim may be reduced accordingly.

Some policies include deductibles (a fixed amount you must pay before insurance kicks in), particularly for medical and baggage claims. Check your policy for details.

Contact your insurer’s 24-hour international assistance number listed on your insurance documents or app. They can arrange hospital admission, emergency evacuation, or guide you through local procedures.