Travel Insurance Claims: 7 Submission Examples

We reveal stories of people who got into difficult scenarios while travelling. Luckily, travel insurance had them covered. Here’s what happened when they made a travel claim.

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Thanks to travel insurance packages, your trip is protected from worst-case scenarios. But what happens exactly after you get into trouble while travelling abroad?

Buying travel insurance is one thing, but filing for a claim is another. Not sure what goes into filing for your travel claim? Here's a guide on submitting claims, including some real-life stories of travel claims!

Do note that the process for claim filing under life insurance, critical illness, hospitalisation or health insurance are very different, so please visit your insurer's website for more information.

Table of contents:

• Why get travel insurance?
• Examples of submitted travel claims
• Travel Insurance Providers and Promotions 
• FAQs

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Why get travel insurance?

It’s quite normal not to see ourselves in the aforementioned scenarios when planning a trip abroad. But life can get unpredictable, even when you’re away from your home ground. Hence, it’s always best to err on the side of caution and safeguard your trip with travel insurance. 

Here are travellers’ testimonies on why travel insurance worked for them. 

#1: “I got a message about my delayed flight directly from my insurance provider. Talk about going the extra mile!”

Insurance providers really make sure you travel safely and conveniently. Even something as simple as letting you know your flight is delayed speaks volumes about their services.

#2: “I keep going back to the same insurance provider since they’ve been giving me great value for my money.”

Certain travel insurance providers give you the best value for your dollar, especially with ongoing promotions. To top it off, all it takes is a few minutes to complete your travel insurance purchase. 

7 Examples of submitted travel claims

What documents do you require when you submit a travel insurance claim? Do you require a claim form? Proof of hospitalisation? From flight cancellations to falling ill to losing a handbag, here are some insurance claim examples.

#1: “I requested a premium refund because COVID-19 put a brake on my travel plans.”

Imagine having an inevitable change of plans after all the excitement for your upcoming trip. Thankfully, this insurance company accommodated his claim request by quickly refunding his premium in full. 

#2: “My handbag was snatched while I was in Europe.”

Sadly, losing your belongings to theft while travelling is not as uncommon as you think, and that’s exactly what happened to this person. Thankfully, she had a travel insurance plan. She submitted her claim and got her insurance refund sum in no time.

#3: “My Europe trip got cancelled and my travel agent refused to refund our travel deposit.”

COVID-19 affected so many trips, especially those to other continents. And being on the receiving end of travel agent woes is no fun. This claimant shared that the cancellation fee was the same sum as the travel deposit.  

How did the story end? A travel insurance claim was submitted, and the refund was in their account after 2 weeks.

#4: “My husband got pickpocketed in Malaysia.”

Her husband lost his car keys and some cash. Thus, they filed a police report and an online travel claim when they arrived back in Singapore. The reimbursement came in a month later with no questions asked. 

#5: “Our caravan gave way while we were on a road trip.”

This couple’s caravan broke down during a roadtrip in Australia, thanks to heavy rains and strong winds. Fortunately, their travel insurer paid them S$2,000 to cover their losses. The claim process was clear and easy.  

#6: “I was robbed in France. The robbers smashed the car windscreen.”

This traveller was a victim of crime – all his belongings were stolen when his rental car was broken in. He called his insurer’s 24-hour hotline, and was advised to get the necessary documents for a claim. 

Because of their help, he was able to file a police report and collect the necessary paperwork from both the car rental agency and police station. These documents were enough to make his claim when got back to Singapore. His claims were processed in due time. 

#7: “My wife and daughter got into an accident while we were in China.”

This insurer took a family insurance package for a trip to China. Unfortunately, his wife and daughter got into a personal accident and had to seek medication attention from a Chinese hospital. 

Upon returning to Singapore, he went to the travel insurer’s website, wrote a summary of the accident, and attached the relevant documents with the claim form (only medical reports and receipts as no hospitalisation was required). That was all it took for him to receive his claim.

Travel Insurance Providers and Promotions

Interested to know more about the latest travel insurance deals? Click on the comparison button below.

FAQs

#1 How do I make a travel claim?

Most insurers require you to submit a claim directly on their website, or mobile app. Alternatively, you can also download the claim form, print it out and mail to the insurer directly.

Be sure to prepare all your relevant documents and either upload them online or attack them to your claim form to avoid any delays in your claim approval.

#2 What documents do I need to make a travel claim?

Here are some common documents that most insurers will require, depending on what kind of claim you're filing:

• Flight/carrier itinerary or passport stamp
• Boarding pass or card
• Medical bills
• Medical reports
• Police report 
• Baggage loss or damage report
• Death certificate
• Accident report

Do check with your own insurer to find out exactly what they require from you.

#3 Do I have to report my travel accident to the police?

As most insurers require a police report for any related claims, it's always good practice to report any travel accident that involves road accidents, theft, loss or criminal acts to the police.

Additionally, do remember to call your insurer immediately to let them know of your travel accident. You may also be asked to provide documentation such as medical reports, receipts, photographs, or other evidence related to the accident or incident.

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