Travel Insurance covers personal accidents, medical expenses, air ambulance, loss of effects, repartition costs and all other expenses that may arise as a result of loss, damage, injury, delay or inconvenience occurring to the tourist. A policy contains details of the cover, conditions and exclusions relating to each insured person and is the basis on which all claims will be settled.

To make the claim for travel insurance, first of all read the policy details and small print carefully. Some travel insurance policies have an excess per item claimed for and some policies state a maximum value that any item can cost. Always keep your policy details safe and carry them with you when you go on holidays. A policy booklet will be required while filing for a travel insurance claim.

Processing insurance claims is not easy most of the times, as there are a number of technicalities or formalities involved while processing a claim. The insurance companies ask for all the records, proofs, affidavits etc. from the claimants. It is the insured’s or family member’s responsibility to initiate a claim to get reimbursement.

For Students Overseas Travel Insurance Claim, insured need to send all itemized medical bills as soon as possible to the insurer’s address specified in the policy and attaches all the required documents like duly completed and signed claim form, policy copy, air tickets, social security number, name of the university, boarding pass etc. Insured can also inform at help-line numbers mentioned in the policy documents to register a claim or can email the claim as well.