Insurance companies are so successful, as usually very few travelers take advantage of their travel insurance policies and very often they make claims incorrectly and that’s why they are denied. Here are several tips for you to make a claim properly:
1. Right after you purchase your policy, you should make a copy of it and carry it with you while travelling. Find international contact numbers in order to make a claim being abroad, because toll-free numbers can be useless outside the USA.
2. As you may get injured away from your hotel, you’d better have the emergency contact lines andpolicy numbers in your wallet and carry it all the time.
3. Learn how much your deductible is.
4. Learn whether a police report is necessary for you to make a claim or not. If yes, you’ll need to get the formal police report right after the incident.
5. Also find out whether you should turn to the specific clinics in order to get the medical help and whether you should pre-approve the medical treatment.
6. Know the time limits for reporting a claim. Most travel insurance policies require that the traveler should make a claim 24 – 48 hours after an incident occurred, so reporting about an injury when you return home may not work.
7. Learn whether you need receipts for your laptop, camera or phone to make a claim. In case you do, make copies and fax them to your insurance agent.
8. Record the serial numbers and model numbers, photograph valuable electronics that you are going to carry on your vacation.
9. If you want to rent a car when you are abroad, learn whether your travel insurance covers the rentals. If not, you may think about purchasing additional rental insurance
No comments:
Post a Comment