What to do if travel insurance claim is denied?

If your travel insurance claim is denied, you can appeal the decision by following these steps:

1. Review the Denial Letter: Understand the specific reasons for the denial.
2. Check Your Policy: Revisit your policy to ensure the claim should be covered.
3. Gather Documentation: Collect all relevant documents, such as receipts, medical reports, booking confirmations, and correspondence with the insurance company.
4. Contact the Insurance Company: Seek clarification on the denial and ask for detailed reasons.
5. Write an Appeal Letter: Address the letter to the claims manager or appeals department. Clearly explain why you believe the denial is incorrect. Reference specific policy terms and attach additional documentation or evidence to support your claim.
6. Submit the Appeal: Send the appeal letter and all supporting documents to the insurance company as well as Travelner Insurance via certified mail, email, or their online claims portal.
7. Follow Up: Regularly check the status of your appeal and respond promptly to any requests for additional information.
8. Seek Assistance: If necessary, seek help from a consumer advocacy group, insurance ombudsman, or legal advisor.

1. Review Your Policy: Understand what your policy covers, including exclusions and the documentation required for claims.

2. Gather Documentation:

   • Medical Claims: Obtain medical reports, receipts, and bills.
   • Trip Cancellation/Interruption: Provide proof of expenses and reasons for cancellation
   • Lost/Delayed Baggage: Get a property irregularity report (PIR) from the airline, baggage claim receipts, and a list of lost items with their value.
   • Emergency Assistance: Keep records of all communications with emergency services and receipts for expenses incurred.

3. Notify Your Insurance Provider: Contact your insurance provider as soon as possible to report the claim. Use their emergency hotline if it's an urgent matter.

4. Complete the Claim Form: Fill out the claim form provided by your insurance company as well as Travelner Insurance. Ensure all sections are completed accurately and honestly.

5. Submit the Claim: Attach all required documentation to the claim form and submit it to the insurance provider. This can often be done online, by mail, or via email.

6. Keep Copies: Make copies of all documents and communications for your records.

7. Follow Up: Monitor the status of your claim by keeping in touch with the insurance company. 

8. Receive Payment: Once the claim is approved, the insurance company will process the payment.

The time it takes to process a travel insurance claim can vary depending on several factors in mostly providers as well as Travelner Insurance

1. Claim Submission:
   • Time Taken: Immediate to a few days.
   • Details: Once you’ve gathered all required documentation (e.g., receipts, medical reports, police reports), you can submit your claim to the insurance provider. Ensure you complete all forms accurately to avoid delays.

2. Initial Review:
   • Time Taken: 1-2 weeks.
   • Details: The insurance company will review your claim to ensure all necessary information and documentation are provided. If anything is missing, they may contact you for additional details.

3. Assessment:
   • Time Taken: 2-4 weeks.
   • Details: The insurance company will assess the validity of your claim, verify details, and possibly contact involved parties. 

4. Approval and Payment:
   • Time Taken: 1-2 weeks.
   • Details: Once the claim is approved, the insurance company will process the payment. The method of payment (e.g., check, direct deposit) can also affect the time it takes for you to receive the funds.

Overall Time Frame:

• • Standard Claims: Typically 4-6 weeks from submission to payment.
  • Complex Claims: May take 6-8 weeks or longer, especially if extensive verification or additional information is required.