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Your claim and next steps

Created by Stephen Southern, Modified on Mon, 19 Feb 2024 at 09:48 AM by Stephen Southern

WE'VE GOT YOUR CLAIM!

We've received your claim and we're currently reviewing all the information you've provided us. There is no need to create additional claims for the same event as this can lead to confusion and delays with your claim assessment. 

Don't worry if the status in your claim account is showing as ' With the Customer ', we're still working on that but rest assured your claim has been received. 

Just a heads up that our response times are a bit longer than usual right now. So, please don't worry if you don't hear from us right away. 

We promise we'll be in touch as soon as we've had a chance to go through everything. 

Thanks for your patience!

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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

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All medical conditions considered

Includes Medical Assistance Plus 

Kids go free on family policies (1) 

A choice of travel insurance to suit you

We have different types of cover for whatever you have planned. And we consider all medical conditions.

Offering cover for anything from a short UK break to a year of travelling around the world

• Covers you for a one-off trip up to 365 days (2)
• Perfect for short or long trips for anywhere in the UK or abroad 
• No age limit

Travelling more than once this year? An annual multi-trip policy could save you time and money

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years

Looking for a gap year, career break or to travel the world? We could have the cover you're after

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions
• Available for those aged 18 – 60

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing that health professionals are just one click away.

Medical Assistance Plus (3), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re abroad.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can’t help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

What is travel insurance?

Travel insurance may be able to protect you against a range of unexpected events. From losing valuables to medical emergencies, and anything else that could spoil your holiday. Take a look at our policy documents to make sure that you’re getting the cover that meets your needs.

Cancellation and cutting short your trip

• Emergency medical expenses
• Missed departure
• Delayed departure

Personal liability and legal costs

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy. This includes pre-booked activities and excursions, car hire, cattery and kennel fees, up to the limits shown

We may be able to help if you need emergency medical treatment, return to the UK (getting you back home) and more while you’re abroad 

Missed departure (6)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Delayed departure (6)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged 

You'll also get protection for any unexpected legal costs you might be charged while you're away 

New-look travel app out now

Our revamped travel app’s out now. It makes buying, topping up and managing Travel Money Cards with up to 22 currencies a breeze. Buying and accessing Travel Insurance on the move effortless. And it puts holiday extras like airport hotels, lounge access and more at your fingertips. All with an improved user experience. Find out what’s changed .

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Cover you can count on. We’ve paid out over £177 million in travel insurance claims since 2007

Common travel insurance questions, what does travel insurance cover.

Post Office Travel Insurance can cover you for a single trip of up to 365 days(2), or multiple trips in a single year. This applies to trips taken anywhere in the UK and abroad too. We also offer backpacker cover(7) for a single trip of up to 18 months.

The type and level of cover provided depends on the insurance policy type and options you choose. It can include cover for:

• Cancellation
• Cutting your trip short and abandonment of your trip
• Lost, stolen or damaged baggage
• Lost, stolen or damaged passports
• Lost, stolen or damaged personal money
• Personal accidents and liability
• Legal protection

You can add additional cover to your policy. Options include:

• Gadget cover
• Excess waiver
• Trip disruption
• 45- or 60-day trip extensions (on  annual multi-trip  only)

Winter sports cover  is compulsory for winter sports trips and  cruise cover  is mandatory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons you can buy. This way, you’re sure to be fully covered for your trip and all you’ll do on it.

Why is it important to have travel insurance?

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a number of things can go wrong.

Flights can be delayed. Airlines can lose your luggage. Tourist areas may be prone to opportunist thieves who may target your belongings. And you could fall ill anywhere in the world, to the detriment of your holiday plans.

We hope that none of these events happen to you. But, if they do, you could be out of pocket. And with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get replacements.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an  European Health Insurance Card (Ehic) or its replacement, the UK Global Health Insurance Card (Ghic), can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They're limited to health cover and won’t help at all with things like cancellation, loss or theft. And the Ehic no longer provides access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break , having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

To qualify for cover on our annual multi-trip policies, UK trips must consist of:

• At least one night's pre-booked and paid-for accommodation, or
• A stay at least 100 miles from your home, or
• At least one sea crossing

Why choose Post Office?

You’re in safe hands with Post Office. We won Best Travel Insurance Provider at the Your Money Awards in 2021, 2022 and 2023. We also won bronze for Best Travel Insurance Provider at the British Travel Awards 2023, voted for by the UK public.

Our premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £177 million in claims.

What cover is there for Covid-19 as standard?

Policies purchased from the 31 March 2022 onwards provide cover if:

• you test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body 
• a medical practitioner certifies you as too ill to travel due to Covid-19 
• you, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority 
• you, an immediate relative (8) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19 

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• you test positive for Covid-19 after you’ve left the UK and have to self-isolate
• you test positive on arrival in your destination and are not allowed to continue your trip
• you, an immediate relative (8) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our  trip disruption cover upgrade option. This gives you added protection against missed departures and expenses incurred due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

For policies sold on or after the 31 March 2022

Should the FCDO advise against all travel to your destination, there's no cover under any section of the policy if you decide to travel. 

If the FCDO have advised to only undertake essential travel to a destination and your trip's not essential and you choose to travel, we'll only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you've purchased an optional trip disruption cover upgrade. You may be able to travel with full cover if we authorise in writing that your trip's essential before you depart. Should you like to request this, please email  [email protected]

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

Does Post Office Travel Insurance cover medical expenses?

Yes, our travel insurance covers you for unexpected medical expenses. This includes emergency treatment and hospitalisation, plus repatriation if you need it. Cover's provided up to the limit specified in the policy wording for the specific cover level you choose.

Emergency medical assistance

If you need emergency medical assistance, you can call our dedicated team. They're here 24 hours a day, 7 days a week to get you the help you need. Check the correct contact details for your policy on our travel insurance help and support page .

Non-emergency medical support

If it’s not an emergency but you still need to see a medical professional, you can use our Medical Assistance Plus (3) service. This outpatient service is included free with all new Post Office Travel Insurance policies.

Get easy access to medical experts such as doctors, dentists and gastroenterologists. The single online platform can be used wherever you are abroad.

Choose whether you’re seen at a clinic, in your hotel or via an online video consultation. All sessions are in your own language. They even have prescriptions delivered to your nearest pharmacy.

This takes away the stress of finding medical help, so you can kick back and enjoy your holiday to the full.

Do I need travel insurance for UK trips?

We provide cover whether you’re taking a break in the UK or going on holiday overseas. You’re covered if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. And if you have to cancel or cut short your trip in some circumstances, we can cover that too. As long as it matches the reasons set out in your policy.

Our annual multi-trip travel insurance can cover you for UK trips too. The minimum requirements are one night’s pre-booked and paid accommodation. Or your stay must be at least 100 miles from your home. Or you must have at least one sea crossing.

Where can I go on holiday in the UK or overseas?

The UK Government provides guidance on travel 24 hours a day, 7 days a week. Visit the Foreign, Commonwealth & Development Office website for the latest travel information. It lists if it's safe to visit your chosen country. This information can change at short notice. So it's a good idea to check the FCDO page regularly.

Remember, your cover won’t be valid if you travel against the FDCO advice of all travel, and local government advice. Check the latest on the FCDO site or read our  where can I go on holiday guide .

Does travel insurance include gadget cover?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit. The single article limit depends on the cover you’ve taken out. For economy it’s £150, for standard it’s £250, and for premier it’s £400.

Gadget cover  is an optional add on you can buy at any time to add protection for your devices. Check the  policy wording for full terms.

Do you offer a student discount?

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either  register for a Student Beans account (to verify your student status) or  log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

We’re here to help on your travels

Access your travel insurance policy anywhere.

You can buy travel insurance and view your policy all in our free Post Office travel app. Plus you can order and top-up our Travel Money Card wherever you are too

Travel money made easy

Buy your travel money online. You can click and collect from a branch near you or choose next-day delivery to your home

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above.

(3) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Delayed and missed departure are only available with our standard and premier cover levels.

(7) Backpacker policies only available on the economy level of cover.

(8) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

Domestic Claims - The Basics

Who can file a domestic claim?

Either the person sending the mailpiece ( Mailer ) or the person receiving the mailpiece ( Recipient ) may file a claim for a damaged or missing article.

Note: If the Mailer files an insurance claim for a damaged article still in the possession of the addressee, the addressee is required to retain the damaged article and container (including packaging, wrapping, and any other contents received) until the claim is fully resolved. Upon written request by the Postal Service™ , the addressee must turn the materials over to a Post Office™ for inspection, retention, and disposition in accordance with the claim's decision. 

How to file a claim?

There are two (2) options to file a domestic insurance claim:

When to file a claim?

File claims as follows:

• Damaged or Missing Contents: customers should file a claim immediately but must file no later than 60 days from the date of mailing.
• Lost Articles: customers must file a claim within the time limits in the chart below.

Source DMM 609.1.4

Note : A decision regarding your claim is usually communicated within 5-10 days.

How to save an online claim before submitting

If you are not ready to submit your online claim, or are not finished with it yet, you can click the "Save Claim" button which can be found at the bottom of each page. This will save the data you entered and will not need to be reentered.

• To access your saved claims, go to https://www.usps.com/help/claims.htm .
• Sign in using your account name and password.
• Select the "Saved Claims" link.
• To access an individual claim, you may search using the claim nickname provided when placing the claim, or the tracking number.

Saved claims will be deleted after 3 days, if not submitted.

Claim and payment questions

All required claim documents must be completed and submitted. A decision regarding your claim is usually communicated within 5-10 days.

• USPS.com® log-in credentials
• Claims nickname provided when placing the claim or tracking number.
• To check the status of a m ailed claim, a payment, or for questions about a received payment,
• Email [email protected] .
• You will need to specify "Domestic" or "International"
• Hours of operation are Monday - Friday, from 8:00am to 8:00pm Eastern Time (7:00am to 7:00pm Central Time).
• Tracking number (For more information, see What is proof of insurance? )
• Original mail date

Postage and insurance reimbursement

Postage reimbursements will be included with the claim payment if the item was lost. Insurance fees cover the cost of the insurance and are not reimbursed.

Lost item recovered after a claim has been paid, and reimbursing USPS ®

If a lost Registered Mail®, insured, Collect on Delivery, or Priority Mail Express® article is recovered after payment of a claim, the payee may accept the article and reimburse the USPS for the full amount paid if the article is undamaged. If the article is damaged, has depreciated, or has missing contents, the payee may accept it and reimburse the USPS in an amount set by the Consumer Advocate, USPS Headquarters.

• Email  [email protected] .

What is proof of insurance?

Proof of insurance includes:

• The original mailing receipt issued at the time of mailing
• The outer packaging showing the names and addresses of the sender and the addressee and the proper label showing that the article was sent insured
• A printed electronic online label record or a computer printout from the application used to print the label and purchase the insurance

What is proof of damage?

Photos that clearly show the extent of damage will help with your case. For damaged claims, you’ll also need to provide an estimate of the repair costs from a reputable dealer.

If you received something damaged, please hang onto the original packaging and the damaged item until your claim is settled. You may be asked to take them to your local Post Office™ for inspection later. Please do not reship the package.

If a claim is filed because some or all of the contents are missing or damaged, the addressee must retain the mailing container, including any damaged articles, all packaging, and any contents received. Upon written request by the USPS®, the addressee must make this proof available to the local Post Office® for inspection, retention, and disposition in accordance with the claims decision. Failure to do so will result in denial of the claim. The Postal Service employee completes PS Form 3831,  Receipt for Article(s) Damaged in Mails  and it is provided to the customer. The Post Office retains the item until the claims process is completed and determines full, partial, or denied payment and whether to dispose of or return the damaged item. 

What is proof of value?

Proof of value proves an item’s value or any required repair costs. Either the mailer or the addressee must submit acceptable proof to establish the cost or value of the merchandise at the time it was mailed. If you are filing your claim online, evidence may be uploaded or mailed in with your claim. Examples are:

• A sales receipt, paid invoice or bill of sale, or statement of value from a reputable dealer.
• Paid repair bills; if the claim is for partial damage, estimates of repair costs or appraisals from a reputable dealer. Repair costs may not exceed the original purchase price.
• Receipt or invoice for the costs incurred to buy a surety bond required to reissue a lost item.
• Receipt or invoice of costs incurred for the reconstruction of non-negotiable documents.
• A copy of a credit card statement or other documentation indicating the amount paid.
• For Internet transactions conducted through a Web-based payment network that offers payment services through a stored value account, provide a computer printout of the online transaction identifying the purchaser and seller, price paid, date of transaction, description of item purchased, and assurance that the transaction status is completed. The printout must clearly identify the Web-based payment network provider through which the Internet transaction was conducted.

In your appeal, please explain why your case should be reviewed and provide any supporting documentation that can help your case. Make sure that proof of value, evidence of mailing and insurance coverage for the article is submitted with your appeal.

If my claim is denied a second time, what is the next step?

If your claim is denied a second time, you may file a final appeal to the Consumer Advocate within 30 days of the date of the second denial. If filed online, you may submit online. In your appeal, please explain why your case should be reviewed. Also, make sure that proof of value, evidence of mailing and insurance coverage for the article has been provided.

If you did not file online, you may mail your final appeal to the following address:

CONSUMER ADVOCATE DOMESTIC CLAIMS APPEALS 475 L’ENFANT PLAZA SW WASHINGTON, DC 20260-2200

• For more details on payable claims, see the Domestic Mail Manual 609 .

Web browser issues

If you are having trouble submitting your online claim, please try clearing your browser cache, history, cookies or ensuring encryption. You may also visit USPS.com Website Support - Browser and Download Issues for detailed steps. If after following these steps and you are still experiencing issues, please Email Us and click "USPS.com" as the reason for your email. Include your name, a brief description of the issue and steps taken to resolve, and an agent will respond via email.

If insurance is not purchased at the time of mailing, the United States Postal Service® is unable to honor any requests to be compensated for lost, missing, and/or damaged item(s). The Postal Service™ is not held liable for damage which occurs during the processing or handling of mail matter under Title 28, Section 2680(b) of the U.S. Code, except for Priority Mail Express®, Priority Mail®, Registered Mail®, Insured, or Collect on Delivery (COD).

The USPS® liability is restricted to lost, damaged, and/or missing content claims for the following products:

• Insured Mail (includes any mail class purchased with Insurance, i.e. First-Class Mail® or Priority Mail®)
• Registered Mail
• Priority Mail Express® (at any value)

The liability amount is limited to no more than the insurance value stated and paid for at the time of mailing. Claims without a mailing receipt can be filed, but payment may be limited to $100 for Insured Mail, Registered Mail, and Priority Mail Express®, $50 for COD Mail, and up to $100 for Priority Mail (dependent on payment method).

• The USPS is not legally authorized to compensate for loss or damage of uninsured articles.
• The USPS is not liable for Priority Mail articles (First Class Mail over 13 ounces or articles of any weight which are expedited to Priority by paying additional fee) unless insurance is also purchased.
• Airline Tickets: You may only file for the price of filing a Lost Ticket Report with the airlines, not the full price of the lost ticket. It is your responsibility to file a Lost Ticket Report with the appropriate airline.
• Gift cards: Indemnity is not paid for gift cards and similar items like lottery tickets, sweepstakes tickets, and contest entries.
• Adult birds: If the number of birds per parcel follows the container manufacturer limits and each bird weighs more than 6 ounces, eligible birds are mail able via Priority Mail Express™ in biologically secure containers approved by the manager of Mailing Standards. Under the applicable standards, indemnity claims may only be paid for lost, damaged, or missing contents (not for death of the birds in transit if there is no visible damage to the mailing container).

Eligible birds are disease-free adult birds that weigh no more than 25 pounds. Mailers must also comply with all applicable governmental laws and regulations and state, municipal, and local ordinances, and USPS guidelines .

• Except for Registered Mail, the maximum indemnity for negotiable items (defined as instruments that can be converted to cash without resort to forgery – such as money orders), currency, or bullion, is $15.00
• An item worth more than this amount must still be declared at full value, but the maximum insurable limit is $50,000. Ask your local Post Office for additional information (including pricing) for items valued above $50,000.
• Important: Checks (including cashier's checks) are not considered cash and cannot be insured other than for document reconstruction costs. Coverage for document reconstruction is available for items mailed in Priority Mail Express mailpieces.
• When a claim is filed as cash, the amount of indemnity is only $15.00.
• Please refer to section 609.4 of the Domestic Mail Manual or ask your local Post Office if you have additional questions about insuring collectibles.
• $100 for merchandise
• $100 for document reconstruction
• $15 for cash
• Additional insurance coverage may be purchased for up to $5,000 for merchandise only
• Up to $100 insurance coverage included in price of postage
• Insurance coverage is for merchandise only
• Insured mail travels at the speed of the mail class it is purchased with
• USPS Marketing Mail™  (bulk insurance only)
• Package Services (Library Mail, Media Mail®, and Bound Printed Matter) and Parcel Select® pieces .
• Official government mail endorsed "Postage and Fees Paid"

Please Note: Insured mail must be mailed from a physical Post Office™ location unless purchased online

• Parcels containing matter offered for sale, addressed to prospective purchasers who have not ordered or authorized their sending. If such matter is mailed, payment is not made for loss, missing contents, or damage.
• Coverage is not provided for consequential losses, delay, spoilage of perishable items or prohibited articles.
• Articles so fragile that they cannot be carried safely in the mail regardless of packaging.
• Articles not adequately prepared to withstand normal handling in the mail. As a rule, any mailable package should be insurable.
• Mail not bearing the complete names and addresses of the sender and addressee.
• USPS Marketing Mail letters, flats, and non-flat machinables.
• First-Class Mail® and Priority Mail correspondence.

Additional Services

• Insurance Restricted Delivery (instead of Insurance, alone)
• Return Receipt
• Electronic Return Receipt
• Adult Signature Required and Adult Signature Restricted Delivery are available for insured Priority Mail Express, Priority Mail, and Parcel Select Ground.
• USPS Tracking®
• Hold for Pickup
• Signature Confirmation™ (for items insured for $500 or less)
• Signature Confirmation Restricted Delivery (for items insured for $500 or more)
• The fee and postage may be paid with postage stamps, meter stamps, or permit imprints.

Things to Keep in Mind When Purchasing Insurance:

• Because NO record is kept by the mailing Post Office facility, the sender needs to keep the receipt for making a claim.
• Insurance may be purchased for perishable items. However, the claim will not be paid if the item is spoiled.
• Postage (but not the insurance fee) may be refunded in a claim if the insured article is lost.
• After proof of value is shown (if the actual value was less than the insured amount, then  only  the actual value is paid) and
• Important:   Customers sending a significant amount of cash should verify with the local office what is considered valid proof of value before mailing the item. Customers should also verify that it is packaged securely enough to protect a high value item from being harmed during regular mail processing.
• More information on insuring cash and checks  is available

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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. 

• Travel Advice
• General Information

Filing a Travel Insurance Claim: Step by Step Guide

Last Updated: March 8, 2023 October 4, 2023

In a perfect world, there would be such a thing as risk-free travel. Unfortunately, no matter what type of trip we are planning, there’s always the chance that things go wrong. Travel insurance exists to offer protection from the unexpected, and mitigate the financial risks associated with traveling. 

In the unfortunate event that you encounter travel issues, it’s important to know the steps needed to be reimbursed by your travel insurance provider through filing a claim. 

How to Claim Travel Insurance

Having to file a travel insurance claim can seem like a bothersome, daunting process. However, it doesn’t have to be.

If you’ve experienced travel disruptions or need to be reimbursed for other covered reasons, there are steps you can take today to begin filing your claim and make the process as seamless as possible. Squaremouth breaks down how travel insurance claims work.

Step 1: Review Your Policy Details 

This step should really be done well before you get to the stage of filing a claim. Whether you have a single trip or annual plan, understanding your travel insurance policy is crucial when determining if you are entitled to reimbursement. In fact, misunderstanding coverage is one of the most common reasons for denied travel insurance claims.

To review your policy details, it’s recommended to read your travel insurance certificate. This would have been sent to you shortly after purchasing your policy. The certificate details the benefits, coverage limits, and any important exclusions found in your specific policy.

For example, this certificate will outline how long you must be delayed before coverage kicks in, and how much medical reimbursement you may be entitled to. In addition, these policy details will also include the contact information of your provider, should you need to file a claim.

Step 2: Contact Your Travel Insurance Provider

If your trip is impacted and you believe you are eligible for reimbursement, it’s advised to get in touch with your provider as soon as reasonably possible. For example, in the event you experience a medical emergency, you should seek treatment first, and call your insurance company when you are able to. 

The reason it’s important to contact your travel insurance provider early on in the process is because they are able to provide important policy information in real-time. They will be able to offer advice, inform you on coverage options, and help guide you through the start of the claims process.

Step 3: Get Your Documents in Order

When filing, you will need to have evidence that supports your claim. For this reason, it’s important to have all documentation related to your loss. This includes any receipts related to expenses you’ve paid and any refunds you may have received. 

Documents that may be relevant to your claim include: 

• Airline, hotel, rental car, and excursions receipts
• Cancellation notices from prepaid bookings
• Delay notices from airlines
• Medical and emergency services bills
• Notes from licensed physicians 
• Correspondence with relevant parties
• Police reports
• Unused tickets
• Refunds received during your trip

Keeping either physical or digital copies of the above documents, as well as any other applicable files, will help make the claims process as smooth as possible.

Step 4: File Your Claim

Once you’ve contacted your insurance provider and collected all relevant documentation, you can now submit your claims form to your travel insurance provider. 

Most travel insurance companies allow policyholders to file a claim over the phone, through their website, or through their app if they have one. As you go through the process, your provider will clearly outline what’s needed in each step, and will contact you if any additional items are needed.

In most cases, it’s most efficient to file your claim online. That way, you can upload your documentation digitally all at once, rather than relying on email.

How Long Does A Travel Insurance Claim Take?

The timeframe of your specific claim will largely depend on the provider, the complexity of your claim, and how quickly the provider receives all necessary documentation. 

Being knowledgeable of your policy and organized are two great ways to give yourself the best chance of a quick and easy claims process.

What If My Travel Insurance Claim is Denied?

If you feel your claim was incorrectly denied, there are actions that you can take to try and correct the decision. 

First, you may have an opportunity to file an appeal with your insurance provider. If your claim was rejected because you filed the claim incorrectly, did not attach required documentation, or made mistakes when filling out a form, you should get in contact with your provider to remedy the situation.

Another way to protect yourself from denied claims is to purchase a policy with a Zero Complaint Guarantee , a level of security attached to every policy bought through Squaremouth. With the Zero Complaint Guarantee, our licensed claims adjusters will investigate your case and mediate with your provider on your behalf.

If all else fails, travelers may also file a complaint with their state’s Department of Insurance. This service is designed to investigate cases where consumers have been wrongfully denied a claim by their insurance provider. This process is not guaranteed to overturn a claim decision, but offers another layer of protection for travelers in the event their case was rejected.

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Post Office travel insurance review

In this article

Post Office travel insurance overview

Does post office offer the best travel insurance, how good is post office's travel insurance policy, how good is the post office at handling claims, post office travel insurance: how can i claim.

Post Office offers three levels of annual and single trip cover - 'Premier' (the most comprehensive), 'Standard' and 'Economy' (the most basic), which we've reviewed.

If you're buying cover for your family, kids (under 18s) are covered free on these policies.

The provider additionally offers backpacker cover for travellers (aged 18-60) looking to make more extended trips - which we've not been able to review. 

The Post Office is underwritten by Astrenska Insurance Limited.

Compare travel insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

We've rated dozens of insurers on their policies and, where possible, claims service. 

Members can log in to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

Members can log in to read our full reviews. 

If you're not already a member, join Which? and get full access to these results and all our reviews.

The latest data from the Financial Conduct Authority show that Post Office's underwriter - Astrenska - paid out 85-90% of claims made on annual European policies in 2022. This was above the average rate of 76%

It accepted 85-90% of claims made on annual worldwide policies - above the average of 82%.

It paid 80-85% of claims made on single trip policies - above the average rate of 73%.

Check you're getting a great deal and search for a new travel insurance policy using the service provided by Confused.com. Get a quote now

Medical emergencies: (+44) 208 865 3074 ( from abroad )  or  0208 865 3074 (from UK).

For all other claims it's 0333 333 9702 .

You'll need your policy document when you call.

• Find out more: How to claim on your travel insurance  

Compare travel insurance

Find the right policy for your holiday using the service provided by Confused.com

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How do I get a quote at Post Office?

To get a quote from Post Office, nothing could be simpler.

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

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

>> MORE: Our review on Post Office

How do I contact Post Office?

How do i contact post office car insurance.

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

How do I contact Post Office travel insurance?

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

How do I contact Post Office home insurance?

All contact details for Post Office home insurance are mentioned below.

How do I contact Post Office life insurance?

To contact Post Office life insurance, you can contact phone numbers below:

How do I contact Post Office pet insurance?

To contact Post Office pet insurance, you can contact phone numbers below:

What are Post Office general contact details?

How do i login to post office self service centre.

You can log in to your customer portal at Post Office through Self Service Centre Post Office

To sign in you will need to enter your email address and password.

The Post Office customer portal will allow you to manage any policy online.

How do I register as a new client on Post Office?

You are a new customer at Post Office? To start using Account Login and manage your policies online, you first need to register through the registration link, on the same page than the Log in section.

You will be asked to provide:

• Your details (name, date of birth, postcode)
• Your policy number
• Choose a password.

How do I login on Self Service Centre Post Office 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 Post Office 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.

Post Office 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 Post Office policy schedule. Your policy schedule is usually sent by mail, email, or accessible through your customer portal.

How do I make a claim at Post Office?

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

How to claim on your Post Office car insurance?

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

How to claim on your Post Office travel insurance?

There is only one way to make a claim and that is through calling the claims department.

How to claim on your Post Office home insurance?

Claims can be made by phone or through the ageas claim form online.

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 to claim on your Post Office life insurance?

You will find on this table the different possibilities for claiming at Post Office life insurance:

How to claim on your Post Office pet insurance?

There are several reasons to report a claim on your pet insurance:

• you had or will have to face significant vet fees or repeat medication;
• your pet is missing;
• your pet had or caused an accident etc.

The claims form can be downloaded online via this link: Post Office Money Pet Insurance Claims Form and claims can also be gotten via phone call.

How do I cancel my Post Office policies?

How to cancel post office car insurance.

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

How to cancel Post Office travel insurance?

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

How to cancel Post Office home insurance?

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

How to cancel Post Office life insurance?

You will find on this table the different ways to cancel your Post Office life insurance:

How to cancel Post Office pet insurance?

Cancellations can be made by phone, post or email.

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.

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File a USPS Claim: Domestic

If you sent a package inside the U.S. that was lost, damaged, or had broken or missing pieces and it was covered by insurance, learn how to file an "indemnity claim." Your insurance may have been included with the USPS ® service or purchased separately. Eligible items include:

• Priority Mail Express ® items and other insured mail
• Collect on Delivery (COD) items
• Registered Mail® items with insurance

(For USPS fee or postage refunds, please see Request a USPS Refund: Domestic .)

Alert: If your international package was returned due to COVID-19 and you need a postage refund, click the International Shipments tab above.

How to File a Claim

Either the sender or the recipient may file a claim for insured mail that is lost, arrived damaged, or was missing contents. The person filing must have the original mailing receipt. Each claim must be filed within a certain time period and include proof of insurance, value, and damage.

NOTE: These instructions do not include all the details and exceptions in the Postal Regulations in the Domestic Mail Manual (DMM ® ). Filing Indemnity Claims (DMM 609)

Step 1: Check Filing Periods

Each mail service has a different filing period. The filing period is based on the mailing date on your receipt and whether your package arrived damaged.

Damaged or Missing Contents

If your item arrives damaged or is missing contents, you may file a claim immediately but must file no later than 60 days after the mailing date.

Lost Mail or Package

If your item does not arrive at all, file a claim in the time period for the service you used.

Filing a Claim for Lost Mail or Packages

All Domestic & APO/FPO/DPO Filing Periods (DMM 609.1.4)

Step 2: Gather Your Documents

Including the right documentation with your claim helps USPS ® approve it more quickly. Save all your evidence documents until your claim is resolved.

Tracking or Label Number

The tracking or label number is found on your online label record, package label, mailing receipt, or sales receipt. Tracking and label numbers are between 13 and 34 characters.

Evidence of Insurance Purchased

Any of these items show evidence of insurance:

• Original mailing receipt issued at the time of mailing
• Outer packaging showing the names and addresses of the sender and the addressee and the proper label showing that the article was sent insured
• Printed electronic online label record or computer printout from the application used to print the label and purchase the insurance

NOTE: USPS may not legally pay compensation for uninsured lost or damaged articles. If your uninsured mail is missing or delayed you may request a Missing Mail Search .

Proof of Value

Proof of value is the cost or value of an item when it was mailed. Any of these can be used to show proof of value:

• Sales receipt
• Paid invoice or paid bill of sale
• Statement of value and/or estimates of repair costs from a reputable dealer
• Credit card billing statement
• Receipt of costs incurred for reconstruction of non-negotiable documents
• Printouts of the online transaction identifying the purchaser and seller, price paid, date of transaction, description of item purchased, and assurance that the transaction status is completed

Proof of Damage

Photos that clearly show the extent of damage will help with your case. For damaged claims, you’ll also need to provide an estimate of the repair costs from a reputable dealer.

• Save the original packaging and everything in the package until your claim is settled.
• Do not throw out damaged items, even after you photograph them.
• Do not reship items that were not damaged. Save them with the damaged items.
• You may be asked to take the entire package to your local Post Office™ facility for inspection.

Step 3: File Your Claim

The fastest and easiest way to file your claim is online. If you cannot file a claim on USPS.com, you can start a claim process by mail. After you file, keep all your evidence documents until the claim is resolved.

Filing Online

To file online, log in to or create your free USPS.com account . Your claim case will be associated with your account.

• You will be able to save your claim to finish later if you cannot complete the form in one session.
• Once you have filed a claim, you can see it in your Claim History.

Start an Online Claim

Filing by Mail

If you’re unable to file a claim online, you can have a Domestic Claim Form mailed to you.

• Call the USPS National Materials Customer Service and request a Domestic Claim PS Form.
• Complete the form and mail it, along with proof of value and evidence of insurance, to the address on the form.

National Materials Customer Service 1-800-332-0317 (requests for paper Domestic Claim Forms only)

Hours of Operation Monday–Friday: 6 AM–6 PM CT Saturdays and Sundays: Closed Federal Holidays: Closed

Claims Decisions

USPS usually sends claims decisions within 5-10 days. You can also check Claim History in your USPS.com account for updates.

• Claim processing times depend on whether an item is damaged or lost.
• Claims for damaged items are usually processed more quickly than lost mail claims.
• Before processing lost mail claims, USPS will first perform a Missing Mail Search .

Approved Claims

• Your claim may be completely approved or approved in part. After your claim is approved, you should receive payment for the claim amount in 7-10 business days.
• USPS does not pay a claim higher than an item’s actual value.

Denied Claims

• Claims can be partially or fully denied.
• Your decision letter will list the reasons for the denial.

Making an Appeal

If your refund was only partially paid or completely denied, you may file an appeal within 30 days of receiving the decision.

First Appeal

• Submit your appeal the same way you submitted the original claim, whether online or by mail. You can start an online claim from your Claim History .
• Focus your appeal on the reasons your claim was denied.
• You may submit new documentation to support your appeal.

Final Appeal

If your appeal is denied, you can file a second appeal within 30 days of the date you received the appeal denial. Follow the same process for final review as for your first appeal.

Appealing Denied Claims FAQs