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How to successfully submit a travel insurance claim in five simple steps
Hey there, fellow nomad! So, you've had an unexpected hiccup during your journey, and now you're wondering how to navigate the process of submitting a travel insurance claim. Don't worry; we're here to help!
As an experienced travel insurance provider with over 25 years’ experience in the travel insurance industry, we have paid out thousands of claims.
We know it's not an exciting process, but it is crucial. We're here to guide you through it in five simple steps, ensuring you get the support you need when you need it the most.
How to submit a travel insurance claim in five simple steps
Step 1: Know your policy
Before diving into the claim process, it's important to familiarize yourself with your travel insurance policy. Take some time to review the coverage details, including what's included and what's not. This means reading your Certificate of Insurance once you have purchased a policy and that email hits your inbox. Understanding your policy will help you determine if your situation is eligible for a claim.
Step 2: Gather your documents
Now that you're ready to make a claim, gather all the necessary documents to support your case. This may include:
- Copies of your travel itinerary and booking confirmations
- Receipts for any expenses incurred due to the incident (e.g., medical bills, accommodation, transportation)
- Police reports or incident reports if applicable
- Medical certificates or documentation from healthcare providers
- Any other relevant documentation related to the incident
Step 3: Submit your claim online
Making a claim is as easy as a few clicks! Visit our website and navigate to the claims section. You'll need to log in via the World Nomads’ member portal and find the online form where you can enter all the required information and upload your documents. Be sure to provide accurate details to expedite the processing of your claim. If you can’t login through the member portal, then you can contact the Claims Services team who can take your claim details over the phone, email or fax.
Step 4: Follow-up as needed
Once you've submitted your claim, keep an eye on your email inbox for any updates or requests for additional information from our claims team. Promptly respond to any inquiries to ensure the smooth processing of your claim. We're here to assist you every step of the way!
Step 5: Stay patient
While we strive to process claims as quickly as possible, some cases may require additional review or verification. We appreciate your patience while we work diligently to resolve your claim. We're committed to providing timely assistance and support throughout the process.
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Tips when submitting a travel insurance claim:
- Do: provide complete and accurate information when submitting your claim. Submit your claim forms and supporting documents promptly to avoid any delays in processing.
- Do: keep copies of all documents and correspondence related to your claim for your records. Ensure that all documents and information provided in your claim forms is accurate and truthful to avoid any complications or potential denial of your claim.
- Do: inform us as soon as possible after the incident occurs to initiate the claims process.
- Do: stay in communication with us throughout the claims process and promptly respond to any requests for additional information.
- Do: follow the instructions provided by us regarding the claims process, including any required forms or documentation.
- Do Not: delay in submitting your claim or providing requested information, as this may prolong the process. Follow up regularly to ensure progress.
- Do Not: attempt to falsify or exaggerate claims, as this can result in denial of coverage.
- Do Not: assume that every expense will be covered by your travel insurance policy. Review your policy carefully to understand what is covered and what is not covered.
- Do Not: ignore exclusions listed in your travel insurance policy. Understand what is excluded from coverage to avoid surprises during the claims process.
- Do Not: assume that your claim will be denied without understanding the reasons for denial. Seek clarification from the claims team if necessary.
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the policy wording for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.
Ready to make a claim?
Now that you know the ropes, it's time to act! If you find yourself in a situation where you need to make a claim, follow the five simple steps outlined above.
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Watch Anton's true claim story
I fell on my side and heard the sound of a dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.
Anton, World Nomads customer from Iceland
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.The claims process for World Nomads was painless and really intuitive
I was pickpocketed while in Mexico City and had my new iPhone 6S stolen, as well as my credit card and drivers license. The claims process for World Nomads was painless and really intuitive, logging everything online. The resolution was extremely fair and would be happy to recommend World Nomads to anyone.
Travel Insurance Benefits: how we can take care of you*
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
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Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
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- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
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FAQ
Here are our most frequently asked questions about claims. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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What can I claim for?
To give you an idea, some of the things can claim for are: overseas medical expenses, medical evacuation, cancellation costs, emergency dental treatment, luggage and personal effects.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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I don't have receipts for my personal items. Can I still make a claim?
You can still lodge a claim. However, the team might depreciate or decline your claim without them.
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