What You Need to Know About Travel Insurance Claims

While we all spend money to get insurance to have some peace of mind, we're at the same time wishing that we'd never have to lodge an insurance claim. In the context of travel insurance, lodging a claim could mean that we got sick, met an accident, or lost something while we were on the road. Doesn't sound like a great trip, right?

But if and when you do need to lodge a claim, there are a number of things that you need to know. And that is what this article is all about. We'll share with you some important tips to help make the process go as smoothly as possible for you. Ready? Let's get started...

  1. Keep your records of ownership of everything you buy before and during your trip. You'll definitely need documents such as receipts to help prove your ownership of the items that might get damaged or lost.
  2. Report any incident immediately. Time is of the essence when your gear gets lost or stolen. That is why it is important that you take action immediately as soon as something happens. For one, this will help the police respond to your problem faster, and it would also help you obtain a police report sooner, which you should then give to your insurer.
  3. Be clear about your coverage. When signing up for travel insurance, make sure that you know exactly what you're covered for. Otherwise, you might be left hanging should you find yourself in a situation that's not covered by your insurer.
  4. File the necessary paperwork. To file a claim, you need to file the paperwork required by your insurer. This is also where the documents and receipts you keep will come in handy, so make sure you have them when you go to their office. The process might take some time, but it's always better to have travel insurance coverage to protect you than go on the road without it.
Remember too that the coverage you get is only as good as the insurer from whom you got your policy. Here at Rate Detective, our qualified advisors are ready to help you find that perfect policy for you by showing you rate comparisons of Australia's top insurers. Contact us today to get started!

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Published on April 4-th, 2013 in Travel Insurance
Damon Rasheed is the CEO of Rate Detective, an Australian financial service comparison sites specialising in Life Insurance, Income Protection Insurance and home loans. Damon holds a Master's Degree in Economics from the University of Melbourne and has been involved in many start-up internet businesses.

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