There was something wrong during your travels. Perhaps it was a stolen bag, an unannounced flight, an extended delay, or a medical emergency. It’s good that you purchased travel insurance that will cover such accidents. However, to get the money you deserve, you have to make a claim, and it’s essential to be sure to do it in the correct way. Here, we’ll have a look at the four most frequently made mistakes during the specialty claims services NYC procedures.
1. Increasing your loss
It’s a nightmare during your Bahamas holiday. The weather is chilly and rainy. Your resort has had better days, but you’re suffering from a stomach ache as well. When you see the doctor in town, she (the doctor) says it’s an indigestion issue. In defiance of her diagnosis, you leave early to submit a claim for the interruption of your trip because of an illness that is serious and covered by insurance. Your claim is denied.
It’s tempting to overstate the severity of an injury, illness, or loss due to theft to claim cash from your travel insurance policy. The claim investigators will seek medical records from the physician you visited in this situation. If they find that you’ve been diagnosed with minor ailments and the doctor did not recommend that you stop your visit, then they’ll decline your claim.
2. Not to check the limits of your plan
In preparation for setting sail for a luxurious cruise along the Baltic Sea, you pack some designer dresses, as well as your most loved bracelet and earrings. After arriving, you find that your luggage didn’t make it to the cabin. When you submit the claim, you find that you won’t get compensated for the entire worth of your possessions.
Every plan has its specific coverage limits for each benefit as laid out in its documents. In this instance, if the user bought OneTrip Prime, they have an amount of up to $1000 in lost or stolen baggage benefits. However, there’s a limit of $500 for specific objects. You’ll be required to present the original receipts for the items you want to be covered, or they will not get covered.
When packing for an adventure, it’s best to keep these restrictions in your mind. Take into consideration wearing your jewelry and carrying it in your carry-on bag. You might want to divide your other expensive belongings between two bags to ensure that you won’t be able to replace all of your belongings in the event of one item going missing. Also, record your suitcase contents using receipts and photos.
3. Failure to provide proof of your losses
You’re about to leave for a trip of week in Vietnam. Another car hits you as you’re driving on the road to the airport. Your car is damaged, and you’re taken to the hospital suffering from whiplash. Being involved in a crash while driving to your destination is a possible reason to cancel your trip if you require medical treatment or if the vehicle has to be fixed since it’s unsafe to drive in.
If you want to file a claim, you must provide receipts for the tour and the flight along with a photograph of the scene. However, that’s not enough evidence, according to the claim. When making a claim, you must record all of your travel expenses, the reason for canceling your trip, as well as any refunds you might have received.
4. Taking a too long time to submit a claim
The March flight you booked to London in the direction of Prague is delayed due to mechanical issues which force you to stay overnight in London. You ride your Tube up to Brick Lane for a spicy curry, and when you book the hotel you want for the night in the knowledge that your delay insurance will cover expenses for food as well as lodging when you’re delayed due to an excuse.
But you don’t have time to submit the claim until July, but then you’re rejected. Don’t delay in filing claims! According to specialty claims services NYC, you have up to 90 days after the day you suffered to file the claim, with the exception of the law providing otherwise.
