Travel Insurance Claims FAQ Guide
UPDATE: HM Consultancy will gladly help anyone to make your travel insurance claims FOR FREE, even if you are not our clients. We have been in this industry for more than a decade and we believe in giving back to our society without any expectations. Do let us help you with any claims issues.
We are still updating this page frequently when we have frequently asked questions to our whatsapps and emails 🙂
Contact us for general insurance inquires in Singapore
Does travel insurance cover failed or bankrupt travel agencies, airlines or hotels?
For premium travel insurance, the sum assured would be many times more than the basic. It will also include many add-on premium insurance, such as coverage of your house valuables from burglary, theft and even pet emergency at your home while you are traveling overseas.
Do check the insurer terms and conditions for more details.
In most rejection, it is usually the lack of documentation that proves the incident.
Once the claim is processed and accepted, it may take 7 more working days for them to file a cheque for you to bank in. Some insurers will also directly bank in the money in your banking account (if your travel insurance claims form has a portion for you to fill in your name and banking account details)
Yes only after there are medical claims for travel insurance. Most travel insurance companies highlighted that pre-existing conditions are not covered while the person is traveling with travel insurance. They will NOT check nor ask for documents when you purchase the policy.
Once a claim is filed, however, they may ask for medical records and to see what they can help to provide in claims.
There are more and more travel insurance that covers pre-existing conditions. In those cases, they will check medical records in the event of claims. This is to ensure that they have proper records and data for their claim records.
However, for humanitarian reasons, insurance companies do try to payout when they can, reasonably. For example, the man-made disasters of 9-11 world trade center collapse was declared by President Bush of America as a declaration of war. Both war events and terrorism events are not covered by insurance companies.
For this situation, as the number of affected are not as large scale as feared, almost all the insurance providers payout successful to all the families of the victims.
In any travel disruption caused by natural disasters and/or war or terrorism, insurers may have the terms and conditions not to pay, but it is in their interest to help the policyholders like you.
Travel insurance covers cancelled or delayed flights
Is there a difference in claims quality for the same claims between different companies and pricing?
Paying more for a premium brand means you get better quality and better peace of mind.
A few years ago, a political strike in the airport at Phuket means Singapore tourists are stuck there and unable to fly home normally on their airlines.Tourists who bought Company A Travel insurance are contacted by Company A representative, bused to Bangkok and flew home at the insurer’s expense.Tourists who bought Company N travel insurance are bused home from Phuket all the way south to Singapore, a much longer and tiring journey.In both cases, the travel insurers did the right thing to bring them home. Just that travel insurer A paid more money to let its customers enjoy more.
Most premium credit cards would have basic cover, especially those offering miles for spending. Most credit cards would have at least coverage for all the debt and spending incurred on the card for the user if the user met with an accident during travel.
What documents should I try to keep for travel insurance claims?
- If you have medical treatment, do keep receipts and doctors’ notes (if any). It would be preferable to pay with a credit card so you have an SGD exchange rate noted in the credit card transaction too.
- If you encountered crimes, do make police reports at the country where it happened so you can have the documents for claims.
- In the event of any flight delays, do ask the airline for official notes and documentation for your claims.
- Any problems from car rental vehicles, do have an official note and/or invoice if you have to pay for any damage caused.
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