The insurance claims process can seem kind of murky. You collect your documents, submit them to your insurance company, and then what happens? We’re going to walk you through the process and offer some travel insurance claim tips, so you know what to expect if you need to file a claim.
The information below is applicable to trip protection plans. If you have or are thinking about purchasing travel medical insurance, visit our blog about how travel medical insurance claims work.
How Do I Make a Travel Insurance Claim?
You have the option to submit your claim to Seven Corners in one of five ways: on our website, by mail, by fax, through the Seven Corners mobile app, or by calling 1-800-335-0611. Filing online through your Seven Corners account is often the best way as it can help expedite the process.
How long do I have to make a travel insurance claim?
For most travel insurance plans, you must file your claim within 90 days of the incident, also known as the timely filing limit. Submitting your claim outside the timely filing limit could result in your claim being denied. Note that this deadline can vary by plan. Please review your plan document for more information.
What documents do I need for a travel insurance claim?
What documentation you need for your travel insurance claim can depend on your plan and the type of claim. For example, if you’re making a trip insurance claim for a cancelled flight, some of the documentation you’ll need includes a Proof of Loss form, proof of payment for your travel arrangements, and a statement from the airline or airport explaining the cancellation. If you’re making a claim on a baggage theft, however, you’ll still need that Proof of Loss form, but the remaining documentation will be different.
You can get a snapshot of what travel insurance claims forms are required by visiting our claims website and selecting your plan from the dropdown menu. By making sure you have the right documentation when you submit your claim, you can help to make the process move faster.
How Are Travel Insurance Claims Reviewed?
Once we receive and begin working on your claim, you’ll be assigned a licensed claims advisor. This person will work with you directly until the completion of your claim. Your advisor will conduct an initial review to determine if additional information or documentation is required. If something else is needed, they’ll reach out to you with a request. Once all the necessary information is received, your advisor will carefully review your claim.
You will receive claims updates by email. Claims status updates are also available in your Seven Corners account. Once an advisor has started processing your claim, the enhanced Claim Tracker feature provides easy access to your claim status, advisor messages, and a document library where you can find the documentation for your claim.
Once a decision has been made regarding your claim, you will receive an email letting you know if your claim has been paid or denied and have the opportunity to talk to your claims advisor by phone if you have any questions.
Why would a travel insurance claim be denied?
Travel insurance claims can be denied for a number of reasons, including not submitting your claim within the time limit or because, although you incurred a loss, it was not due to a covered reason. Learn more about the common reasons for a denied claim and how to avoid them.
Ready to File a Claim?
If you’re ready to submit a claim now and want to do so through the website, get started here. You’ll then choose your plan from the dropdown menu and follow the instructions for what documentation to provide and how to upload your files.
Still Have Questions about Your Travel Insurance?
The travel insurance claims process doesn’t have to be a challenge. One way to make the process easier is to understand what travel insurance covers before you even purchase your plan. By choosing the right coverage for you and your trip, you’ll be better protected if the unexpected happens. Our travel insurance experts are here to help, before, during, and after your trip.
FAQs
Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.
What is needed for a travel insurance claim? ›
Copies of all bills, invoices, receipts, and applicable credit card/bank statements pertaining to claimed medical expenses. INJURY Claims - Accident / Incident / Police / ER Report(s) which detail accident. EOB's from health insurance companies may be required if coverage is Secondary or Excess.
How do travel claims work? ›
You submit a claim form to your insurance company, including all documentation of the services you received as well as receipts for any bills you paid. The insurance company determines whether more information is needed and notifies you or your provider if so.
How to claim insurance for travel insurance? ›
When filing a travel insurance claim, your insurer will require you to provide documentation to substantiate your claim. Very often, the insurer will require copies of airline tickets, police reports, medical bills and reports, carrier irregularities report and original purchase receipts etc.
What not to say when talking to an insurance adjuster? ›
When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.
What is insurance best answer? ›
Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company.
What is not covered by travel insurance? ›
Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
How long does it take to process a travel insurance claim? ›
This can depend on your insurer but, typically, once they've received your claim it'll take less than two weeks for them to assess it. Sometimes your insurer may ask you to provide more information to support your claim. This will usually add extra time onto how long it takes to process your claim.
Why travel insurance claims are denied? ›
The most common reasons for a denied claim include: There's insufficient documentation or evidence to support a claim. These include a lack of receipts, proof of payments or proof of the incident that you're making the claim for, such as a cancellation, necessary medical care or anything else that cost you money.
What will travel insurance pay out for? ›
Travel insurance can protect you against the following things going wrong: cancelling or cutting short your trip for reasons beyond your control. missed transport or delayed departure for reasons beyond your control. medical and other emergencies.
Travel insurance compensates you for money you lose due to unforeseen events before and during your trip. Just as importantly, it can pay for emergency medical care and evacuation during your trip.
How long does it take to process a travel claim? ›
Most claims are processed within 10 business days of receipt, providing we receive all the required information.
What is the most common travel insurance claim? ›
By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain.
What documents are needed for a travel insurance claim? ›
Medical Expense Claims
- Claim Forms.
- Proof of Loss (What medical care was provided to the traveler during the trip?)
- Medical Expense Receipts.
- Proof of Payment (How did they pay?)
- Verification of Travel Arrangements: Tour Flyers and Brochures.
You will usually receive reimbursem*nt if your trip is cancelled for: unexpected illness or injury of you or a traveling companion that deems you unfit to travel; hospitalization or death of non-traveling family member; weather or common carrier issues; unforeseen natural disaster at home or the destination; a legal ...
How do I disagree with an insurance claim? ›
- Step 1: Contact your insurance agent or company again. Before you contact your insurance agent or home insurance company to dispute a claim, you should review the claim you initially filed. ...
- Step 2: Consider an independent appraisal. ...
- Step 3: File a complaint and hire an attorney.
An insurance claim is a formal request from the policyholder to their insurance company asking for payment after a covered incident, such as a hospital stay, a natural disaster, theft, and more.
What should you say in an insurance statement? ›
Stick to what you know for sure and be clear and concise in your answers. If you do not know the answer to a question, say so, rather than guessing or making assumptions. “I can't be sure, but I'll bet the other driver was on the phone” is classic speculation that is best left out of a statement.
How to value items for an insurance claim? ›
When it comes to the value of specific items, condition is more important than age. An older item that's in excellent condition should be depreciated less than a newer item that's frequently used or one that's regularly exposed to water, sun, wind, etc.
