Why you need travel insurance?
Taking out travel insurance can cover you against things that could go wrong when you’re abroad. Having travel insurance is important as it can help you out if you lose your possessions, if your flights and accommodation are delayed or canceled, or if you become ill or injured while on holiday or a business trip.
Typical travel insurance covers the costs of medical expenses and lost income if you’re sick in the country, if you travel with more than one person, if you’re working, or if you’re traveling outside the country.
Tourist Travel insurance includes all of the benefits of your trip (including hotel accommodation) for free. In addition, all of the hotel rooms you stay in and hotel transportation you use may be covered as well.
In cases where you’re traveling through airports, hotels or trains, insurance policies may only cover the expenses for travel on trains or planes.
Tourist Travel expenses may be covered by the insurance companies, but if you go to a vacation or a hotel without using the train you will need to take insurance with the hotel.
Another type of Travel insurance is Accident Insurance. This kind of policy is the insurance that covers loss of money due to any accidents caused by travelers or your friends or family, and the total value of loss, including loss of earnings, personal property, personal effects, or income from employment and other income sources.
You need to check if your travel insurance covers the fact loss of property, personal belongings, and personal injury.
Cancellation cover – why bother ?
Cancellation cover is an important part of travel insurance, as while it might seem unlikely and no fun to think about, there are a few possible reasons for having to cancel your plans – for example, you could be chosen for jury duty or you might fall unexpectedly ill.
Without the right policy in place, you might be forced to cancel your holiday without being compensated for the cost – but with cancellation cover you’ll be able to reclaim at least some of it.
It is important to remember that some countries’ cancellation policies can differ from your country’s. You will not need to cancel your insurance if your holiday is to be in another country.
How to get you money back from insurer when your flight was canceled?
The number of delayed flights is increasing every year. In 2018, over 300 million passengers did not depart on time.
However, not everyone is aware that carriers have an obligation to pay compensation if the customer submits a relevant complaint.
In addition, each passenger can insure himself individually and receive additional compensation.
If you want to get your money back you need to make the following:
- Call the carrier you have bought from and ask for the details of your flight and the number of people in it.
- Get a lawyer or an agent to go to the airport and take the following documents: 2) Your passport (you may need to bring it with you as you will be asked to produce it)
- A copy of a letter from the airline asking for a refund.
- The airline’s official written statement (this document must be signed by the airline).
- A copy of the statement from your employer (if you have one).
- Copies of the following documents (you may want to take them, just be aware that your employer has to send them with the letter).
The amount of compensation that must be paid depends on a number of factors. This is why it is important to know what your specific situation is and how you are able to pay.
The following are some things to consider: Your travel itinerary, the type of flight you went on, the date, time, price and destination (this can also determine the amount of the compensation).
How to get you money back from airline if your flight was canceled?
A few weeks after cancelling your flight, call the carrier for confirmation and get in touch with him.
If you have been informed that the airlines have canceled your flight (due to a “technical issue” like your laptop, or a problem with the plane’s flight control systems) you may have to submit a claim under the airline’s “Fee for Cancellation – Cancellation” policy.
Here is the procedure of money back
Please note that the airline may decide to compensate you in full or in part. You will need to submit the following documents:
- The airline’s written statement (this document must be signed by the airline)
- A copy of the letter from your employer (if you have your own company – you can click here)
Insurer don’t want give your money back – why?
When you try to make a claim on your insurance policy, you may find that your insurer refuses your claim or does not pay out the full amount you are asking for.
The insurer might refuse your claim because it is an “improper claim” from your previous health condition. The insurer may also reject you have asked your insurer to reimburse you for your medical expenses and now you have received a statement of reimbursement, which is not sufficient to cover your medical expenses.
You also want to include all the medical expenses in the statement you send to your insurer so that the insurer will be able to determine the correct amount for payment, if any, of your medical expenses.
If you are not comfortable writing a letter in a specific language, write them directly to your health insurer, rather than in an invoice. Your insurer may be able to send you a letter that will explain why it refuses to reimburse you.If you do write your insurer a letter, please make sure to include a copy of your current medical record as well as the date the letter was completed.
If you have a medical history that is not well-documented, your insurer will probably need to verify your medical history and/or your insurance coverage before making any payments.
Your insurer can also check if you are still covered, and you may need to pay the full amount.If the letter is for an amount greater than the original amount you requested to pay, you will not be able to claim an amount from your insurance policy for the original amount you are asking for as long as your insurer continues to refuse the payment.
How to complain for the issuer – do I need a lawyer ?
The claiming procedure for US Citizens
If you’re having serious concerns with how the insurer is handling your claim, call your state insurance department and file a complaint. They may be able to assist with a resolution.
As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories.
Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. For more information, visit www.naic.org.
The claiming procedure for the United Kingdom citizens
First please remember that there may be a good reason why your insurer has made their decision about your claim. Before you do anything more formal, check your policy document to make sure that what you want to complain about is covered by your policy.
If you have problem with the regulations interpretation – you can always contact us for advice – free of charge.
If you’re not satisfied with your insurer’s reply you can make a formal complaint using your insurer’s official complaints process. To find out how the complaints process works, look at your policy documents or on your insurer’s website.
If you are not satisfied with the outcome of this complaint, you can then complain to the Financial Ombudsman Service.
The Financial Ombudsman Service is an ombudsman in the United Kingdom. It was established in 2000, and given statutory powers in 2001 by the Financial Services and Markets Act 2000, to help settle disputes between consumers and UK-based businesses providing financial services, such as banks, building societies, insurance companies, investment firms, financial advisers and finance companies.
