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
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 long does it take for a travel insurance claim to process? ›
Most major travel insurance companies process claims within two weeks, except for the most complicated ones. So if yours wasn't complicated, it might be stuck – or lost. Here's how to avoid a travel insurance claim slowdown: ► Keep your receipts.
What happens when you claim on travel insurance? ›
Making a claim when you get home
you're covered for what you're claiming for. how much the excess is. The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this.
How does travel insurance pay out? ›
In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to Allianz Global Assistance, so that we can verify what happened and reimburse you for your covered losses.
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 percentage of travel insurance claims are denied? ›
Legitimate claims
According to the United States Travel Insurance Association, one out of every six insureds ends up filing a claim, and less than 10 percent of those claims are denied. If your travel insurance claim is denied, you may be upset,. However, getting upset is not going to help you.
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.
Do travel insurance companies actually pay out? ›
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.
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.
Does travelers insurance go up after a claim? ›
If you file a claim and we make a payment, it is very likely that your rate will increase at renewal. Because of the incident, you're likely to pay a higher rate for three to five years.
For most cases, you – the insured on the policy – need to pay the provider upfront then submit a claim for reimbursem*nt. No matter what happens, it's important to contact the Emergency Assistance team (or have someone contact them on your behalf).
Does travel insurance cover 100%? ›
If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.
When should I file 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.
Is 100000 enough for travel insurance? ›
Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.
What are the two 2 basic types of travel insurance? ›
What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.
How long is too long to wait for an insurance claim? ›
Most policies do not provide a strict deadline or window of time (30 days, 60 days, etc.). Instead, you are usually required to make your claim "promptly" or "within a reasonable time." Some states (especially those that follow a no-fault car insurance system) have passed laws that specifically address this issue.
Can a travel insurance claim be denied? ›
Sometimes, a travel insurance company will list the reason for the denial. For example, you may need to provide more documentation for your claim. Those types of claim rejections are relatively easy to deal with as long as you have the right documentation.
How to speed up insurance claims? ›
Contact Your Insurer Immediately
The sooner you contact your insurer to file a claim, the easier it will be for your adjuster to make the necessary inquiries to get your claim moving along. Call your insurance company as soon as possible – ideally from the scene of the accident, if you can do so safely.
