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How To File A Travel Insurance Claim - Step by Step Guide

How To File A Travel Insurance Claim - Step by Step Guide

​​Travel insurance protects you against the risk of any unforeseen and unfortunate event while you are on your vacation or travelling to your favourite international destination.

​However, you must know how to file a travel insurance claim online to benefit from a travel insurance policy. The claim process is simple and easy to follow if you approach the procedure correctly and have the documentation ready beforehand.

This detailed guide will discuss how to claim travel insurance and provide necessary tips and additional information to ensure you benefit from a quick and efficient claim settlement.

Step-by-Step Travel Insurance Claim Process

Notify Us

When tragedy strikes, you must inform us immediately. The deadline is generally 30-40 days. However, you should register your claim ​early, at least within the first 24 hours.

Inform the Cops and Take Necessary Documents

If your belongings have been stolen or you are a victim of crime, you must inform the local police. They will provide the case registration number or the FIR copy (or the applicable document in the respective country/region), which you must submit to us. Without the document copy, we might not be able to authenticate your claim.

Prepare Important Documents to Claim Travel Insurance

Keeping all necessary personal documents with you while travelling is highly recommended. All these documents come in handy if you have to claim travel insurance coverage overseas. Along with these, prepare your claim-related documents per the type of claim to ensure a smooth process.

Submit Claim on Holiday Insurance

For the final step, submit the claim form along with the necessary documents to us for evaluation, based on which your claim settlement will be determined and completed.

Claim Settlement

After properly verifying the requested travel insurance claim by our RCare/Europ Assistance team, they approve or reject the claim. In some cases, they also request additional documentation. Once approved, the necessary claim payment will be made to your registered bank account.

Documents Required for a Travel Insurance Claim

You must submit the necessary documents for all claims, regardless of the claim category, along with the additional claim-specific documents mentioned below.

Standard Travel Claim Documents

PAN card or Form 60.

Original tickets or boarding passes to confirm the travel destination.

A clear copy of your passport.

A duly filled and signed claim form.

For Medical Emergency Travel Claim

Original bills, reports, and other invoices applicable to your medical treatment.

Discharge summary.

Copy of boarding pass or flight ticket.

Photo identification.

The original cancelled CTS 2010-compliant cheque was for NEFT.

For Lost Passport Travel Claim

First Information Report (FIR) from the local police station.

Bills or invoices incurred to obtain a duplicate or fresh passport.

Copy of flight ticket or boarding pass.

Photo identification.

The original cancelled CTS 2010-compliant cheque was for NEFT.

Personal Liability Travel Claim

Valid proof of judicial decision by the court.

Proof of expenses incurred under compensatory and legal fees.

Copy of flight ticket or boarding pass.

Photo identification.

The original cancelled CTS 2010-compliant cheque was for NEFT.

Financial Emergency Travel Claim

The First Information Report (FIR) was issued within 24 hours of the robbery from the local police station.

Copy of flight ticket or boarding pass.

Photo identification.

The original cancelled CTS 2010-compliant cheque was for NEFT.

Death Travel Claim

Official death certificate

A signed letter from the doctor stating the cause of death.

Proof of costs incurred for transporting the mortal remains or burial of the diseased.

Doctor-attested postmortem report.

Photo identification of the insured.

Copy of flight ticket.

The original cancelled CTS 2010-compliant cheque was for NEFT.

Total Loss of Baggage Travel Claim

A Property Irregularity Report by the Common Airline Carrier.

A letter from the airline clearly stating the compensation value.

Copy of flight ticket or boarding pass.

A First Information Report from the local police station.

Photo identification.

The original cancelled CTS 2010-compliant cheque was for NEFT.

Please fine here the detailed list of documents required for a travel insurance claim.

Reliance Travel Insurance Claim Options

With Reliance General Insurance, you can file a cashless or a reimbursement travel claim based on preference, requirement, and convenience. Here is all you need to know about these two types of claims.

Cashless Travel Claim

Our worldwide cashless claim facility manages the payment of the incurred expenses directly with the third party, regardless of the category between the hospital, third parties, or other authorities. This reduces the hassle of managing the claims on your own and significantly reduces your upfront expenses.

To contact us, use the following details:

Paid Number: +91 22 48903009

If you are overseas, you can call the paid numbers (91-22-67347843, 91-22-67347844) provided on your policy document.

You can email us at reliance@europ-assistance.in

If you wish to courier your claim documents to us, use the following address:

Europ Assistance India,

Star Hub Bldg. No 2, 7th Floor,

Near ITC Maratha Hotel, Sahar,

Andheri (E), Mumbai – 400 059, Maharashtra, India

Reimbursement Travel Claim

A reimbursement claim facility is when you manage the upfront expenses with your out-of-pocket costs. Then, we reimburse the approved claim settlement amount in your registered bank account.

For a reimbursement claim, you must submit the completed claim form and the physical copies of the necessary documents at the address below.

Europ Assistance India Pvt Ltd. - 7th Floor, Star Hub, Bldg No. 2, Near ITC Maurya Hotel, Sahar, Andheri East, Mumbai.

Tips to Claim Travel Insurance Successfully

Document Everything

The first tip is to keep copies of every expense related to the claim handy. You must document everything to ensure a quick claim settlement, no matter how big or small the invoice or bill.

Be Prompt

You must inform the insurer immediately after an incident or emergency occurs. Waiting till recovery or depending on the grace period, if available, can delay your claim settlement significantly.

Follow-Up Regularly

You should check on your claim request by contacting us via email, call, or customer service. This will keep you informed about the progress of your claim.

Keep Proof of Communication

Document all communication between you and the insurer to ensure complete transparency between everyone involved. This reduces the risk of miscommunication or other potential gaps.

Provide all Accurate Information

When you file a claim for travel insurance, you must be honest and transparent about the requested information to reduce the risk of rejection due to inaccurate information.

Understand your Policy

Before filing any claim, you need to assess and review your international travel insurance policy to determine the scope of coverage applicable to you for any type of claim. This will encourage informed decision-making.

Conclusion

Understanding the travel insurance claim process ensures you file the right claim with the documents required for each international travel insurance claim category. This helps with faster and more efficient claim settlements.

We at Reliance General Insurance offer travel insurance plans for different international destinations to protect you from unforeseen circumstances, such as medical emergencies, personal liabilities, trip delays or cancellations, lost passports, and more.

Moreover, for added convenience, we offer a quick and straightforward facility to file a travel insurance policy ​claim online in just a few steps. All you need to remember is to be prompt with your intimation to your team about the claim and the availability of the necessary documents, and we handle the rest.

Frequently Asked Questions

Why was my travel claim rejected?

Your travel claim can be rejected due to the following reasons -

Incorrect information

Incomplete documents

A claim under policy exclusions

Insufficient proof of incident

Non-compliance with policy terms and conditions

How can I download my travel insurance policy if I misplace it?

To download your travel insurance policy, follow the steps mentioned below-

Visit our website.

Select “Self-Help" from the top bar.

Click “Travel" on the new page, then select the “Download Policy" option.

Next, select the applicable policy you wish to download from the dropdown menu.

Enter the required information and add the OTP.

Download the travel insurance policy​

Relevant Links for Travel Insurance

Travel Insurance | International Travel Insurance | Student Travel Insurance | Senior Citizen Travel Insurance | Multi Trip Travel Insurance

Travel Insurance for Top Destinations

USA Travel Insurance | Thailand Travel Insurance | Dubai Travel Insurance | Canada Travel Insurance | Schengen Travel Insurance | Singapore Travel Insurance | Vietnam Travel Insurance | Travel Insurance United Kingdom | Bali Travel Insurance | Australia Travel Insurance | Malaysia Travel Insurance