In this article we discuss how to prepare to make a seniors travel insurance claim.
Before your departure
The first thing to consider when you’re looking to make a seniors travel insurance claim is to read and understand the Product Disclosure Statement (PDS). If you have any questions about what is or isn’t covered, ask for clarification. Familiarise yourself with the specifics of your seniors travel insurance policy. Note down key sections such as coverage limits, exclusions, and the process for filing claims.
Photograph or scan receipts for high-value items such as phones, tablets, cameras, or laptops that you are taking with you. If you don’t have receipts, take photos of the items to prove ownership.
Photograph your clothes laid out before packing as well as valuables including jewelry.
Keep a digital copy of your travel documents and travel insurance certificate by emailing them to yourself, so you can access them from any device anywhere in the world.
If an incident occurs during your travels
Contact your seniors travel insurance provider out as soon as possible, especially for medical, hospital, and dental claims, or if the claim exceeds $1,000.
Ensure you collect all required documents to submit with your claim, which may include:
A written police report for any lost or stolen items.
- A written statement from the airline or tour company for cancelled or delayed flights or other bookings.
- If the incident occurs in a hotel or other establishment, request a written statement from management or an appropriate official.
- Medical certificates or reports for visits to the doctor or hospital.
- Receipts for any payments made.
Whenever possible, ask for reports and documentation to be written in English.
Before you submit a claim
It’s worthwhile rereading the Product Disclosure Statement to ensure your intended claim is covered, avoiding potential disappointment. Don’t hesitate to contact the claims team for clarification on any uncertainties before submitting your claim.
If you’re eligible for compensation from an airline, travel agent, tour company, or other third party, claim from them first. You can then claim the difference from your seniors travel insurance provider.
If you can’t claim while overseas, ideally submit your claim as soon as you return to Australia. Prompt action helps retain details about the incident and facilitates obtaining further information if required.
It’s helpful to reference a seniors travel insurance claims checklist. When submitting your claim you’ll be required to provide your policy number, contact details, travel itinerary and details of the incident. And depending on the nature of your claim, you may also be required supporting documentation such as:
- Medical reports
- Rental car agreement
- Police reports
- Receipts or invoices
- Proof of ownership
- Written statements
- Photographs
- Bank account details for payment of your claim
Submitting your claim
With most seniors travel insurance providers, you have a choice as to how you can submit your claim.
- Print off a claim form and post the completed form together with supporting documents to the provider’s nominated claims mailing address.
- Print off a claim form and email the completed form together with supporting documents to the provider’s nominated claims email address.
- Complete the claims submission online and upload digital copies of all supporting documentation.
Seniors travel insurance providers are obligated to acknowledge receipt of your claim and provide a claim reference number within ten business days of them receiving your claim form. From that point, your reference number should always be quoted by you for any further communications.
Disclaimer: The information provided here is for general informational purposes only and does not constitute financial or insurance advice. Terms, conditions, limits, and exclusions apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure that the policy is suitable for you.
