Follow these easy procedures to file a claim for your travel insurance and learn helpful information for travellers who have been impacted by the pandemic.

Who should be my first point of contact?

You are expected to look into other options before filing a claim with your travel insurance company because the coverage is designed to be a fallback option.

Customers who have their vacations cut short or cancelled should be refunded by airlines, travel agencies, and hotels (if they are closed).

However, as our research has shown, a significant number of travellers who were adversely affected by the epidemic were only given vouchers or credit notes as compensation.

In light of the complexity of the issue, you should consult with your insurer for guidance before filing a claim or taking any vouchers.

Inquire about the types of documentation that are required to prove a claim, the process that should be followed when cancelling future trips, and whether or not there is a time limit for filing a claim.

When do I submit my claim?

as quickly as is humanly possible.

For example, many service providers require that you get in touch with them first before undergoing any kind of medical treatment.

However, if you’ve suffered a serious injury, you should exercise your best judgement. Do not put off going to the emergency department until you determine whether or not you are covered by your health insurance while doing so.

There are some travel insurers that will not cover your claim if it is not filed within a certain period of time; however, if the insurer’s customer service lines are completely swamped, they should be reasonable about extending the deadline.

You may file a claim online with many different insurance providers now.

In each of our ratings of insurance companies, we have provided a list of websites and phone numbers.

What exactly may I make a claim for?

You can get more information about what your policy covers by calling your insurer, but you should also review the documentation that comes with your coverage.

You should have received an Insurance Product Information Document (IPID) that provides a summary of your coverage. In addition, you should have received a longer document referred to as the “policy language,” which provides a list of the reasons why your insurer might deny your claim.

The majority of the documents will have a section labelled “cancellation.” Details on “abandonment” and “travel disruption” are also helpful to have, even though they may have been extras that were optional to purchase.

You should also study the “Covid cover” section of your insurer carefully, if it has one, because it may still contain exclusions surrounding the pandemic that you don’t foresee. If your insurance has one of these sections, you should read it carefully.

What would happen if I cancelled based on the official recommendation?

If the government advises against travel, the companies who provided your vacation should cancel it and get you a refund; therefore, insurers do not necessarily need to be a part of the equation. Unfortunately, this is not always the case.

Prior to the pandemic, the majority of travel insurance policies permitted policyholders to file a claim for trip cancellation in the event that the Foreign Commonwealth and Development Office (FCDO) issued a travel warning against a destination after the policyholder had already made travel arrangements to that location. As a result of Covid-19, many insurers will no longer acknowledge claims if the government advice has been revised.

Everything hinges on the level of coverage for coronavirus that your insurance plan provides. Check your insurance or call your insurer if you’re unsure.

Is coverage provided in the event of a positive Covid-19 test or self-isolation?

Some insurers, although by no means all of them, will regard this as grounds for cancellation claims if you have gotten a positive Covid-19 test or medical advise not to travel. However, this is not the case with all insurers.

Once more, this will be determined by the quantity of Covid-19 coverage that you already possess.

Cancellation claims brought on by a positive test result are covered by the policies that we have evaluated as having Low, Superior, or Complete covid cover.

However, cancellation due to self-isolation will only be covered for individuals having covid coverage that is either Complete or Superior.

How may I challenge a decision made by an insurance company?

If the insurance company decides not to pay out on your claim, you should insist on receiving an explanation in writing as to why. You have the option to file a complaint if you do not agree with the reasons given, which may cause them to reconsider their decision.

You have the option to escalate your complaint to the Financial Ombudsman Service if, after eight weeks, you are still unhappy with the outcome of the investigation.

What happens if my insurer cannot pay its claims?

If your insurer is allowed to sell policies in the UK, then your policy is protected by the Financial Services Compensation Scheme (FSCS), which guarantees that 90 percent of outstanding claims will be paid out in the event that your insurer declares bankruptcy.

The top four pieces of advice for filing insurance claims

Even though travel has been severely impacted by the epidemic, it is important to remember the following advice for any future excursions.

1. You must immediately report any criminal activity.

In the event that you are a victim of a crime, time is also of the essence. If any of your goods are taken without your permission, you need to contact the authorities as soon as possible.

Before you can pursue a claim with your insurer, they will ask for a crime reference number, and the terms of certain plans require you to report the incident within the first 24 hours after it occurs.

Tell your travel representative or the manager of the hotel if you are unable to get to a police station, and ask them for assistance in compiling a formal report on the incident.

2. If you’re going to be late, make sure to keep all of your receipts.

Extremely long wait times at the airport are very annoying for passengers, especially if they are keeping track of the number of minutes until they may relax in the sun at their destination.

It is important to remember to save all of your receipts in order to demonstrate to your service provider that you are entitled to reimbursement for the cost of food and drink, and sometimes even accommodation, if you are delayed.

In most cases, you will also need to provide documentation of the delay from the airline or tour provider. It will be much simpler to do so during the delay; thus, locate a representative and ask them for written confirmation during this period.

The same principle applies to missing luggage. You are permitted to submit a claim for reimbursement of expenses incurred for essential items in the event that you arrive at your destination while on vacation but your baggage have not.

Having said that, double examine the parameters of your claim. If you buy a variety of fancy pricey products to keep you over until your luggage turns up, your insurer will not pay out on the claim if you make it.

3. Don’t lose out if your airline goes bust

If you have booked your flight and hotel separately rather than booking a standard vacation package, purchasing travel insurance may be beneficial in the event that your airline goes out of business.

With the event that your scheduled airline goes out of business, having scheduled airline failure cover might assist you in obtaining a refund or an alternate flight.

If you have purchased a vacation package, the operator of your trip should make alternate flight arrangements for you under the ATOL system.

You should also check to see if your coverage includes Financial Failure Protection, which is protection for when you have a holiday that is not part of a package and protects you in the event that hotels, villas, or campgrounds go bankrupt during your trip.

4. If your claim is denied, you need to make your voice heard.

There are always options available to you even if an insurance company denies your claim. Make an official complaint to the insurance company, and if your claim is turned down for a second time or if it hasn’t been settled after eight weeks, take the matter to the Financial Ombudsman Service.

It does not cost anything to file a complaint, and once it has been reviewed, the Ombudsman will issue a decision.