WARWICK, R.I., Jun. 26, 2024 — To help travelers better understand travel insurance and the claims process, InsureMyTrip has identified the most common reasons for claim delays and denials.
Findings indicate travelers who thoroughly review their policies and adhere to documentation requirements before their trips are more likely to achieve favorable outcomes.
Summary:
- Avoid claim processing delays by gathering all necessary paperwork and documentation in advance. For example, secure any claims-related medical documents and/or police reports before returning home.
- Understand travel insurance policy language prior to trip departure.
- Purchase travel insurance early to enhance eligibility for time-sensitive benefits and ensure the trip cost is accurately covered.
- Anticipate claim processing delays following major travel events, such as hurricanes.
According to InsureMyTrip experts, these are the most common reasons for claim denials or delays.
Top 10 Common Reasons a Travel Insurance Claim is Rejected or Delay:
- Missing bills or poor documentation
- Policy exclusions/limitations
- Undeclared medical conditions
- Engaging in adventurous activities without proper coverage
- Trip cancellation for personal reasons not covered by the policy
- Failing to report incidents in a timely manner
- Injuries occurring while intoxicated
- Events not classified as sudden and unforeseen
- Unattended baggage and personal items
- Failing to file a claim on time
Anytime Advocates® Services:
The following services are available through the Anytime Advocates® program.
- Claims Assistance – Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
- Dispute Resolution – Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.
Request to speak with one of our experts on the claims process or Anytime Advocates® program.
Media Contact:
Meghan Kayata
[email protected]
About InsureMyTrip
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SOURCE InsureMyTrip
