You did a lot of smart things while planning your trip. You didn’t wait until the last minute to book your flight and hotel. You know how you’re getting to and from the airport. You purchased your travel protection plan way in advance. You even booked yourself an appointment at the spa. Good thinking! Now, you can look forward to relaxation, good food and good company. But what if something happens and you have to file a claim? Well, here are 5 claim filing mistakes you can avoid to keep the claim process rolling and avoid delays.
#1 DISCARDING RECEIPTS
One of the biggest mistakes plan holders make is not keeping all their travel receipts. From receipts for your hotel, flight, and car rental to receipts for the items in your baggage—it’s important to keep them all! You should also keep receipts for any medical expenses you incurred on your trip. To make yourself eligible for the right reimbursement figure, we need to verify what you paid.
#2 NOT FILING A POLICE REPORT
Some benefits in your plan require a police report. For instance, if your bags and passports are stolen, your car rental is damaged or you’re involved in a traffic accident and have to delay, interrupt, or cancel your trip because of it, we’ll need a police report to substantiate your claim.
#3 NOT VISITING A PHYSICIAN
If you or your traveling companion had to interrupt or cancel your trip due to an illness or injury, we’ll need documentation that shows you visited a physician. This is very important because we’ll have no other way to verify your sickness or injury to satisfy requirements for possible reimbursement. You’ll also need clearance from a physician for emergency medical evacuation if the need arises. Be sure to review your travel document for other occasions that require a physician’s attention.
#4 NOT ACQUIRING OR SENDING US NECESSARY DOCUMENTS
A simple way to think of this one is: If something happens, get it documented! If your flight is delayed or cancelled, make sure the airline sends you documentation of it. If you lose your luggage, get sick, or even have to cancel your trip due to jury duty, make sure you get documents from the proper authority to substantiate it. You don’t want to get caught out there with no proof for your claim. Also, be sure to send us all requested documents at the time you make your claim. Failing to do so may seriously delay the claim process or invalidate your claim all together.
#5 NOT READING YOUR TRAVEL DOCUMENT
One of the biggest issues plan holders have is not reviewing their plan document to get familiar with their benefits and the limitations that come with them. For instance, your plan may not reimburse you for your company laptop if it’s lost or stolen on vacation. You may have to cancel or interrupt your trip, but if the reason is not covered, you may not be able to file a claim for it. If your travel delay is less than the minimum number of hours your protection plan specifies, you may not be able to claim travel delay benefits. So, be sure you get to know your plan!
We want to help you make the most out of your travel protection plan. Avoiding the mistakes above can help keep you eligible for claims in the future. For more information, be sure to visit our help center at travelinsured.com.