It is quite likely you’re planning on journeying to a popular foreign holiday destination this year. You may be looking forward to relaxing on the sun kissed white sand beaches and trying a variety of exciting activities, however it is important to remember there is a risk of holiday mishaps. You could contract a nasty foreign disease or injure yourself during a particularly challenging climb, for example. You’ll undoubtedly be thankful for the financial protection of holiday cover in such a scenario. But of you need to make a claim, it will pay to know the correct steps involved.

Those who’ve made the smart decision of investing in a comprehensive insurance policy can expect to receive a detailed policy overview. You will also be given the contact details of the specialist claims handlers. It is important you keep the details to hand in case of holiday accidents. You will then have the assurance of being able to file a claim and receive any money in the fastest time.

Insurance companies are generally willing to provide holiday cover against a wide variety of unexpected events. They will specify a certain amount of protection against the costs of flight delays and cancellations and you may even claim for food and hotel accommodation. However, it is advisable to collect any receipts and ask the flight company for written confirmation regarding trips that have been rescheduled.

It is an unfortunate fact that travellers are often the victims of theft. There have been reports of pickpocketing and thefts from hotels in even the best and most popular resorts. There is a good chance that insurance will act as a safeguard against the theft of your valuable belongings, however you can expect the claims handlers to ask for receipts and police reports. This may be a problem, as foreign law enforcers are often loathe to corroborate the claims made by tourists. Fortunately, insurers are becoming increasingly aware of this issue.

It will be necessary to make immediate contact with the providers of your holiday cover if you have the misfortune of illness or injury during your travels. It is likely they will provide the necessary finance for operations and repatriation, however the insurers will expect you send medical certificates and receipts in support of any medical claims. They will also ask if you have home and contents insurance that includes cover against the expense of foreign medical treatment.

If you take the measures outlined in this article there is a good chance your holiday cover providers will grant a financial reimbursement. However, you do have the right to complain in the event that your claims are rejected. An independent and impartial ombudsman will then assess your individual case. They will take the time to assess all of the information and decide whether you have a right to any money that has been claimed.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies for your holiday cover, including single-trip, multi-trip and family insurance. For all your insurance needs, Insuremore can help you in the quickest and most cost-efficient way.

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