Avoiding Claims Issues
IVC aims to make the claims process as simple as possible. That’s why we personally handle all claims for you and advocate on your behalf. But all travel insurance plans require strict adherence to policy and procedure. Here are the most important things to keep in mind that will help you avoid a claim denial.
1. Carefully research and assess your travel protection needs. Do you need travel insurance? Think about your travel plans and destination. Consider our tips to help you find the right plan for your needs.
2. Know what’s covered. Carefully read the policy details before you decide on a plan that’s right for you. If you have any questions, our staff will be happy to assist you. Reread the description of coverage before you depart on your trip, highlighting important information. Take a photocopy along with you.
3. Purchase at least 24 hours prior to departure. You must purchase your travel insurance coverage 24 hours before you depart on your trip. It’s best to purchase travel insurance as soon as possible after you’ve made your first trip payment. Trip cancellation and interruption coverage must be purchased at least 24 hours prior to departure.
4. Keep track of paperwork. Systematically organize and save all travel documents and receipts, before and during your trip. Keep a file of important documents. You will need these when filing a claim.
5. Call 24/7 assistance as soon as you have a problem. Don’t wait! Claims are time sensitive issues. A representative from 24/7 assistance will work with you to assess the situation and take the next steps to ensure your safety. For medical emergencies, follow these instructions.
6. File a police report when necessary. Even if it’s a minor theft or offense, get the local authorities involved so you can obtain official documentation. 24/7 assistance can help you with contacting a police station or embassy.
7. File a claim within 30 days of loss. To be safe, file as soon as you’ve got your paperwork together.
Find instructions on making a claim here.