saga travel insurance claims email address

HelloSafe » Insurance » Companies » Is Saga a Good Insurance Company? » Saga Login and Contact

Saga: Login, Contact and Phone Numbers

verified information

Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

You would like to get a quote, log in to your Saga account, make a claim, or contact Saga for whatever reason?

You’ve come to the right place.

You will find below any information you need to log in, contact, claim or cancel at Saga.

How do I get a quote at Saga?

To get a quote from Saga, nothing could be simpler.

Use our comparison tools, 100% free and anonymous and get quotes within 20 seconds from Saga and other best providers of the market.

You could also go on Saga homepage and click on the Get Quote button.

>> MORE: Our review on Saga

How do I contact Saga?

How do i contact saga car insurance.

You will find below all main helplines related to Saga car insurance and their opening hours.

How do I contact Saga travel insurance?

You will find below all main helplines related to Saga travel insurance and their opening hours.

How do I contact Saga home insurance?

All contact details for Saga home insurance are mentioned below.

What are Saga general contact details?

How do i login to saga my saga.

You can log in to your customer portal MySaga through MySaga Log in .

The same link will be used to log in or to register as a new customer. You must use the email address you gave to Saga when you purchased your policy from them.

You can only register if you are 50 or older.

How do I register as a new client on Saga?

Click on the My Saga Log In button mentioned above. The same link is used to log in to MySaga account or to register. If your email address is not known, you will be asked to follow the creation account process.

How do I login on My Saga Saga if I've forgotten my password?

If you've forgotten your password, just click on the forgotten your password" button and follow the whole process to reset one.

• Enter your email address you've used for subscription
• Enter your date of birth
• Wait for your new temporary password to be sent by email.

Where to find my Saga policy number?

Good to know.

Your policy number is a unique identifier, associated with your insurance policy. A policy number is always assigned to a specific individual by your insurer, once you have purchased an insurance.

Saga will identify your account with your policy number. You will always be asked to provide it when you report a claim, cancel or modify your policy or for any other matter.

Your policy number is mentioned on top of your Saga policy schedule. Your policy schedule is usually sent by mail, email, or accessible through your customer portal.

How do I make a claim at Saga?

You will find below any information you need to know to report a claim at Saga.

How to claim on your Saga car insurance?

You can make a claim on your Saga car insurance policy by calling the number below.

How to claim on your Saga travel insurance?

There are 2 ways to make a claim: online or by calling the claims team.

How to claim on your Saga home insurance?

You should check first on your Saga home insurance policy schedule and check whether you are covered or not. If you are covered, you will find in your policy documents the right phone number to call to claim on your home insurance. Note that all Saga claims lines are opened 365 days per year, 24 hours a day, UK-based. The claim process is very straightforward.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How do I cancel my Saga policies?

How to cancel saga car insurance.

You will find below main information to cancel your car insurance policy at Saga:

How to cancel Saga travel insurance?

You will find below main information to cancel your travel insurance policy at Saga:

How to cancel Saga home insurance?

To cancel your Saga house insurance, here is what you need to know:

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

What documents do I need?

Flight or travel delayed.

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area
• Delay report from the airline/travel agent confirming why you were delayed and how long for
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip
• Cancellation invoice - showing the date of cancellation and how much you'll be refunded

Injury, Illness or Death

• Death certificate (if applicable)
• Medical report of GP letter
• Covid test evidence - A positive test result from a GP, Hospital, or Private Test company. Photo evidence is acceptable if self-administered

Non-Medical

• Letter/summons from court if you're called for jury service or as a court witness
• Letter from an employer if you're being made redundant or if you are a member of the Armed Forces, police, fire or medical professional and leave is cancelled
• Police report if your travel documents have been stolen or if your home is damaged and is unsafe to be left unattended

Medical or Dental expenses

Illness or injury expenses.

• Receipts, Invoices for medical expenses you had to pay
• Receipts for extra accommodation and travelling expenses you had to pay
• Medical Report from the hospital that confirms why you were admitted, the date you were admitted, and the date you were discharged

Dental Expenses

• Receipts, Invoices for dental expenses you had to pay
• Dental Report from the facility to confirm the treatment received

Baggage - Loss, Theft, Damaged or Delayed

• Booking invoice - showing your dates of travel to/from your home area.

Loss of Theft

• Police report which confirms the date of the loss/theft and lists the items lost/stolen
• A Property Irregularity Report (PIR) from the airline if items were lost/stolen while in their care
• Proof of ownership (including value) such as receipts
• Mobile phones - proof of contact to the service provider to discontinue service from the date of loss/theft, IEMI, and the date the phone was ceased
• An estimate of repair or report from a reputable repairer confirming the item is beyond economical repair
• Receipts for the essential items you had to buy while your luggage was delayed

Missed Flight or Departure

One of the following.

• Letter from the public transport operator confirming the cause of the delay or cancellation of services
• Report from the motor vehicle recovery or repair service
• Letter from the airline confirming the flight diversion causing a delay
• Letter from the relevant authority confirming that the results of the Covid test were delayed and so causing your missed departure
• Police Report confirming your travel documents were stolen while abroad

Curtailment - returned home early

• Cancellation Invoice showing details of any refunds given/due for unused parts of your original trip (flights, accommodation, car hire, excursions, etc)
• Medical report/letter from treating doctor aboard which explains why you had to cut short your trip (if due to a close relative at home, then we'll need a report or letter from their GP)
• Police Report confirming your home was damaged and unsafe to leave unattended

Substitute Accommodation

• Letter from the original accommodation manager confirming why the accommodation had to close and for how long
• Receipts for extra accommodation costs you had to pay

Winter Sports

Medical-related winter sports claims.

• Receipts/Invoices for ski pack that wasn't used due to cancelling or cutting short your trip
• Letter from treating doctor confirming why you weren't fit to ski

Piste closure

• Letter from ski resort confirming why piste was closed
• Evidence of costs to go to an alternative area to ski or that there were no other suitable alternative
• If due to avalanche/landslide - evidence of refunds for unused accommodation and evidence of cancelled/curtailed public transport

Winter Sports Equipment

• Written report confirming details of loss,theft, or damage
• Proof of ownership such as receipts/hire invoice
• Evidence of the damage
• Terms of Use
• Cookie Policy
• Privacy Policy

Collinson Insurance Services Ltd Reg. No. 00758979 Registered in England & Wales Registered Office: 5th Floor, 3 More London Riverside, London SE1 2AQ Authorised and regulated by the Financial Conduct Authority - registration number 311883

Suggested companies

Saga travel, admiral insurance.

Saga plc   Reviews

In the Insurance agency category

Visit this website

Company activity See all

Write a review

Reviews 4.2.

38,376 total

Most relevant

Have pre-existing medical conditions? Try Saga first.

I have pre-existing medical conditions, nothing too serious but the quotes I was receiving were so expensive. After hours of comparison sites and filling in numerous quote forms - Saga were the best price. Not only that, their quote form was easy and straightforward. I would recommend a quote from Saga before you then do a comparison, may save you hours of your time!!

Date of experience : 27 March 2024

A fantastic holiday to the golden…

A fantastic holiday to the golden triangle in India .Good hotels fantastic saga rep Alex and Indian rep Raoul made the holiday . Lots of great information ,Alex was very caring made sure we were all ok . Raoul was a mine of information and was very entertaining with his explanation. My only criticism was on the lack of western food at dinner time . Very little choice for paople that couldn’t take spicy food . But still well worth the trip ,our group was very friendly too . I would recommend this trip to anyone .

Date of experience : 11 March 2024

Purchasing insurance is invariably easy

I see little point in reviewing the act of purchasing insurance. T he important part of the process is in making a claim should that be necessary. Buying was easy but took a lot of mini print reading. That is not so easy. I don't feel it was encouraged either, although it is widely reported that such companies demand such work and knowledge should a claim be made that the company deem incorrect.

Date of experience : 25 March 2024

Reply from Saga plc

Good evening, Thank you for taking the time to leave your review. I am sorry that you found it more difficult to get your documents. We are always happy to post documents if need be. If there is anything else you need help with, please feel free to come and chat with us by going to www.saga.co.uk/chat and our team will be able to help. Kind regards- Layla.

As an existing Saga customer with car…

As an existing Saga customer with car insurance, I logged in to get quote for home insurance. After going through the lengthy questionaire was given a quote for extortionate £375 pa. I tried again with exact same details on well known price comparision website and my cheapest quote... Saga at £120.20 pa! I took this deal but it did infuriate me that Saga treats its existing customers in this way.

Date of experience : 26 March 2024

Good evening, Thank you for taking the time to leave your review with us today. We would like to look into this price difference for you. If you can, please come and chat with us by going to www.saga.co.uk/chat and our team will be happy to help. Kind regards- Layla.

Thank you Saga for excellent service…

Thank you Saga and thank you Anita for being so lovely to me on the phone when I was renewing my car insurance you were very patient with me. What a wonderful team you have this is why I am giving you 5 stars on Trust Pilot. Well done Pauline Morris Bolton.

Date of experience : 21 March 2024

It was a pleasure to get a web SAGA travel Insurance…

It was a pleasure to get a travel insurance from SAGA. Quick and efficient process with no difficulties due bad programming. THe whole process was completed int 20 minutes. The premium was easonably priced considering the thorough cover provided. Hrd to beat!

Date of experience : 18 March 2024

Very easy to complete

The website is so easy to use and the questions very simple so it took no time at all to complete.

The website was easy to navigate

The website was easy to navigate, the questions were clear. It did not take long to get the cover I want.

Easy to understand instructions

Good easy to use and very informative also the choice of documents posted to your address.Would not go anywhere else for all my insurance.Thank you

Date of experience : 19 March 2024

Property Insurance Nightmare

Had two properties with Saga for many years with zero claims. Renewal premiums went up by 145% and 80% ! Tried to contact them by phone which took five or six times, hanging on for over 20 minutes without success. Totally unacceptable service. They say they offer exceptional customer service, well this was exceptionally BAD. When I did finally make contact their chap was friendly and helpful but knew the poor telephone service was the worst it has been in his 20 years of service. Massive room for improvement.

Good evening, I am so sorry to hear that your price went up so much this year and you were unable to discuss this with us on the first try. I do understand that it is important to be able to get in contact as soon as you can so in future, you will be able to get through to us on our chat by going to www.saga.co.uk/chat and we will be happy to help. Kind regards- Layla.

It was easy to complete the answers and…

It was easy to complete the answers and have always trusted saga

Astronomical renewal insurance quote

I received my home and contents renewal which was increased by over 2000 percent. I rang and queried the increase and was given no explanation, I was simply told the quotation was correct. The renewal notice did not even give an explanation. After a reply from Saga I contacted them online as suggested. I was offered £30 discount which still leaves the renewal price astronomical. Since I have got a number of other quotes much lower. When I asked what the normal increase amount in premiums has been I was told on average 100 per cent not 2000 per cent, yes 2000 per cent.

Good evening, I am so sorry to hear that the premium has increased by so much this year. I do understand you have spoken with us already however, if you need more help, please come and chat with us by going to www.saga.co.uk/chat and our team will be happy to help. Kind regards- Layla.

Buying Travel Insurance was so simple

Buying Travel Insurance was so simple! An excellent website with nothing hidden and very good prices and cover! Excellent!

Date of experience : 20 March 2024

Gaslighting customers

I would like to give higher Star rating. Quote via Compare market. Won't register but a quote in error processed in minutes, can not cancel the error quote. 5 minute call wait time turned into 30+ mins then cut off. No call back via AI bot chat service, no redirect to agent via AI bot. Saga to Gaslight customers ? Everything frustrate customer nothing to treat the customer with the respect saga demand.

Date of experience : 22 March 2024

Good evening, Im sorry you were not able to get through to us on the phone or chat to discuss this. With our chat, you do need to make sure you are selecting "connect to agent" to be able to speak with us live. If you can, please come back and chat by going to www.saga.co.uk/chat and we will be happy to help. Kind regards- Layla.

Excellent Service

Web pages very clear and prompted me to do my request differently in order to save money. As previously I am very pleased with the service.

Date of experience : 15 March 2024

Very easy website to navigate

Very easy website to navigate. Good value policy with good level of coverage. My query was dealt with quickly by a friendly member of staff. 😊

Excellent and very easy to follow

Excellent and very easy to follow. Plus the policy I requested and took covered all I wished including cruise coverage (I'm taking a Saga river cruise in June).I most appreciated the ease because of my age and I'm not really IT competent.

Date of experience : 02 March 2024

Car Insurance Renewal

Renewed my car insurance and cost nearly half the cost of renewal with present insurer LV who I had been with a few years great company for over 50s Insurance HOlidays Saving and banking/investing etc

Date of experience : 03 March 2024

Surprisingly quick

Easy and quick to get cover online. Will use again.

Date of experience : 29 March 2024

The site was easy to understand and…

The site was easy to understand and progress through. when the initial quote was given an alternative was also offered that was far cheaper but covered all that was required and more. plus it covers us for a full year - result

At Saga we pride ourselves on looking after our customers and we are here to help you with any enquiry you may have.

Need to get in touch? Below, you'll find our contact details. You can also use Manage my booking to pay your balance, book our car service and more.

Calls are free from BT landlines, but calls from mobile phones, other networks or from overseas may incur charges from your operator. Please note that calls will be recorded for training purposes.

Answers to common questions can be found in our FAQs .

Book online at any time, or call us free:

For European and long-haul holidays: 0800 9885 886

Monday-Friday: 08:00 to 17:00

Saturday: 09:00 to 18:00

Sunday: 10:00 to 16:00

Easter opening hours

Good Friday: 10:00 to 16:00

Sunday: Closed

Easter Monday: 10:00 to 16:00

Emergency Contact Officer

Should you need any assistance whilst on holiday our Duty Officers are on hand 24/7 to assist with any queries.

If you have feedback following a holiday you have returned from, please contact our Customer Relations Department.

With the widest choice of holidays and travel experiences than ever before, you can now personalise your trip so you are in complete control. All this is backed up by the high-standards and service you’d expect from Saga.

70 years’ experience

Experienced travellers have been enjoying great value Saga holidays for over 70 years.

Peace of mind

You’re in safe hands with Saga. We’re an ABTA member and your holiday is ATOL protected.

Great value

We’re constantly monitoring prices and negotiating the best deals with our travel partners.

SIGN UP FOR TRAVEL INSPIRATION & OFFERS

Sign up to our emails for the latest from Saga Holidays.

By providing your details you will receive emails with related content and offers from Saga.  You can unsubscribe from this at any time.

For more information click here for our privacy policy .

Saga insurance, phone, website, email, address and social media links

Saga insurance contact number, official website, email and head office address. Quotes, claims and complaints, links to twitter,facebook, youtube, googleplus...

To claim or not to claim

Your fault or not, after an accident or vandalism you may want to make a claim on your car insurance or not? What to do if the driver is uninsured or won't give you their details. ReadMore

Best way to complain

Your insurer should respond to your complaint within 8 weeks and if you are still not satisfied you have 6 months to report it to Financial Ombudsman Service . ReadMore

Best car insurance list

Pay a little extra and you could save a lot, results and findings from Which Magazine, Defaqto and Auto Express Driver Power Survey for the best UK car insurance. ReadMore

• Airport & Travel Enhancement
• Priority Pass
• LoungeKey Pass
• Lounge Pass
• Airport Dimensions
• Loyalty & Customer Engagement
• Salesforce Loyalty Management
• Data and Analytics
• Loyalty Platforms
• Valuedynamx
• Merchant Partners
• Reward Programmes
• Rewards Earning
• Rewards Redemption
• Insurance & Protection
• Travel Insurance
• International & Dental Healthcare
• Specialty & Ancillary Personal Lines
• Case Studies
• Our Leadership
• Our Offices
• Corporate Responsibility
• Contact us Contact us

Collinson appointed as travel insurance partner to Saga

Leading insurance and assistance provider, Collinson, has been appointed as travel insurance partner for Saga, the over 50s insurance and travel group. In need of a partner that could offer exceptional value and improve the experience for its customers, Collinson was selected as the best fit for Saga following a comprehensive review.

Collinson will provide travel insurance  for its standalone and Saga Holidays optional included travel insurance. With over 40 years’ experience in the travel insurance industry, Collinson will deliver a full-service solution, from underwriting through to claims and assistance. As part of the partnership, Collinson will also manage the insurance for Titan Travel, a Saga-owned luxury travel specialist.

The Defaqto 5-star rated insurance products include Collinson’s Stranded Traveller product, rebranded as Delayed Flight Assistance for Saga, which in the event of a flight delay offers access to over 950 airport lounges across 100 countries. Available to all travel insurance customers, it covers the policyholder and up to four companion travellers. 

Richard Coleman, Collinson’s European Director, commented: “We are delighted to be working with Saga and this partnership is a significant addition to our travel insurance portfolio. There are considerable similarities between our two businesses, especially around our approaches to customer satisfaction and reinforcing brand loyalty. 

“We look forward to working with the Saga team, driving growth and success through innovation and enhanced customer experiences such as our Stranded Traveller product, which provides Saga customers with access to our global airport lounge network in the event of a flight delay.”

Gary Duggan, CEO Saga Services, commented: “We are pleased to have appointed Collinson as the new underwriter for Saga’s travel insurance. They provide the first-class service that our customers expect and offer even greater control of the claims process which will significantly improve the customer journey. We look forward to exciting developments as the partnership takes shape through 2018 and beyond to further enhance our cover.”

Saga has often led the market in making innovative changes to meet the needs of the modern traveller and carefully constructed the insurance product using their travel expertise and knowledge of their customers. It insures thousands of travellers each year, including many with wide ranging pre-existing medical conditions and was looking for a provider with an appetite to continue this pioneering approach alongside providing exceptional value and customer service.

For more information contact: [email protected]

Related Insights SEE ALL

Collinson Forms Strategic Joint Venture with Joyful Journey Group in Mainland China

Winners of the Global Priority Pass Excellence Awards 2024 Unveiled

Collinson On: What consumers want in return for their loyalty

File a Claim

Still have a question? Be sure to get in touch with our expert travel team

You can also claim directly or check the status of an existing claim at our claims administrator’s 24/7 self-service portal at: https://cbpconnect.com

You have reached AXA USA, your Travel Protection solution for US Residents. Our team of experts are available to you for claims assistance.  If you are looking for information on how to file a claim and you are not a US Resident please review your travel documents for the appropriate contact details. If you are a US Resident and purchased an AXA Silver, Gold, or Platinum plan please find the necessary claim forms and instructions below.

How can I contact someone about my claim?

Before you submit a claim.

Contact AXA USA for emergency medical and travel assistance including any prior arrangements for evacuations and medical repatriations. In the event of theft or loss of property, contact the police or transportation carrier such as the airline immediately to obtain a filed report

• ✔Check your policy documents to confirm your coverage details
• ✔Review the claim form for supporting documentation required
• ✔Contact AXA USA for any policy and claim questions

Download your claim forms below

Claim forms are for SILVER, GOLD, and PLATINUM plans only.

Trip Cancellation

Provides coverage for non-refundable payments and deposits made before your trip was cancelled due to a covered reason. This is a pre-departure benefit.

Cancel For Any Reason

Provides coverage for non-refundable payments and deposits made before your trip was cancelled. Only available on the Platinum plan as an optional benefit. This is a pre-departure benefit.

Trip Interruption

Provides coverage for non-refundable trip cost in the event you cannot continue your trip due to a covered reason. This is a post-departure benefit.

Provides coverage for the unsed portion of pre-paid expenses, accommodations, meals, and transportation expenses if you experience a delay while traveling.

Provides coverage for emergency medical expenses resulting from an accidental injury or sickness incurred while on the trip.

Accidental Death or Dismemberment

Provides coverage if you suffer an injury resulting in loss of life or limb during a covered part of your trip.

Baggage Delay

Provides coverage if your baggage is delayed 24 hours on Silver and Gold and 12 hours on Platinum.

Provides coverage if your baggage or personal effects are lost, damaged or stolen during your trip.

Collision Damage Waiver

Provides coverage if you rent a car while on your trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood, or any cause not within your control while the car is in your possesion.

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses.