For many travelers, a provider’s reputation handling travel insurance claims is just as important as the policy’s coverage and price. However, because travel insurance is reimbursement-based, the claims process can be daunting.
To expedite the claims process, and improve the chances of a refund, it’s important to be timely with sufficient documentation. These are the best steps to take when filing a travel insurance claim:
- Contact your travel insurance provider as soon as possible
- Have all receipts from your trip ready ahead of time
- Obtain documentation from your travel supplier proving you canceled your trip
- Provide as much detail as possible in your claim form and interview
- Be prepared to send in additional information or documentation to support your claim
Common Mistakes That Cause a Travel Insurance Claim to Be Denied
Typically, a travel insurance claim will be approved or denied in 15-30 days, depending on the provider and the situation. However, meeting the five steps mentioned above can make that process much quicker. If you make mistakes when submitting your claim, it can lead to a denial.
These are 3 common claims mistakes travelers make that lead to their claims being denied:
- Waiting too long to make initial contact with your provider to file a claim
- Losing or forgetting to provide receipts or documentation to prove your losses
- Not having a clear understanding of what your policy covers
How Squaremouth Turned the Travel Insurance Claims Process Inside Out
Squaremouth has reinvented the travel insurance claims process to make sure our customers don’t fill out a claim form thinking they’re covered, only to find out they were never covered in the first place.
Before requesting any documentation, a member of Squaremouth’s claims team talks directly to every claimant to assess their situation and let them know what coverage, if any, they may have. Squaremouth’s claims adjusters will use their expertise to put together a claim form for the customer, who can make additions and send back a signed copy with supporting documents.
This “inside-out” claims process helps Squaremouth gather all required information about a claim, explain to a customer what type of claim they have, and guide them on how to proceed with their claim. If a customer isn’t covered, Squaremouth will let them know so they don’t invest their time into something that won’t pay off.
Squaremouth’s Zero Complaint Guarantee
Every policy sold through Squaremouth comes with our unique Zero Complaint Guarantee. This is our promise to only sell policies from reputable providers that are backed by financially-stable underwriters.
If you bought a policy through Squaremouth and have a complaint during your claims process, our team of licensed claims adjusters will investigate your case and mediate with your travel insurance provider on your behalf. Whether it’s a claim for $100 or $100,000, we promise to make sure every claim is handled fairly and honestly. If the provider does not resolve your complaint to our satisfaction, we will remove them from our website.