What to Expect After Submitting Travel Insurance Claims

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Travel insurance protects travellers in the event of a medical emergency, trip interruption or cancellation, and other unforeseen events.

Submitting a claim is only the first step in the entire claims process. What happens after submitting a claim? Let’s find out.

Each insurer’s claim procedure may differ slightly, but in general, the same few steps are required when filing any travel claim:

  1. Contact the insurer to report the incident or issue and start the claims process.
  2. Gather and submit all necessary paperwork/documentation, such as medical reports or evidence of trip cancellation, to support your claim.
  3. Wait for claims review outcome from the insurer.
  4. Receive the claim payment if approved, or a written explanation if denied.

After submitting a claim, it usually takes several weeks for the insurer to review and process it. In the meantime, you may receive a phone call or email from the  claims examiner requesting more information or documents to support your claim.

The length of time depends on the complexity of the case and how quickly you provides all requested documentation.

Generally speaking, travel claims are processed within 90 days from receipt of all required information. Some simple cases can be resolved much faster than that, while more complicated claims may take longer.

Once your claim is approved, the insurer will send you a notification regarding the payment details and the mode of transfer. The payment may be made through a check or direct deposit to your bank account.

In case your claim is rejected, the insurance company will send you a written explanation of the reason for the denial.

If you disagree with the decision, you can appeal by providing additional evidence to strengthen your case. Keep in mind that some insurance companies may have a deadline for filing an appeal.

Travel insurance can be an invaluable resource for travellers who need protection in the event of medical emergencies, trip cancellations or other unexpected circumstances.

Submitting a claim is an essential part of the process for receiving financial reimbursement from your insurer and should not be taken lightly. Understanding the claims process and what to expect after submitting a claim will help ensure the best results.

Blog Disclaimer
All content provided on this blog is for informational purposes only. The content of this blog neither makes representations as to the accuracy or completeness of any information on this site, nor is construed as Allianz Travel's offering of travel insurance, unless explicitly stated. Details of benefits, limits, policy exclusions, terms and conditions of Allianz Travel insurance can be found under Allianz Travel Policy Wording.