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What Is the Travel Insurance Claims Process?

Becky Hart | Dec 19, 2022

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Middle eastern man submitting a claim online.

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.

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