Claiming on Trip Cancellation Insurance? Good Luck with That!!!

Transcription

1 Claiming on Trip Cancellation Insurance? Good Luck with That!!!

2 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

3 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

4 Original airline tickets/vouchers or Actual tickets & vouchers for all insured travelers* e-ticket receipts & vouchers for all insured travelers* For internet bookings, confirmation sheet with ticket numbers for all insured travelers*

5 The * If the person whose illness or death caused the trip cancellation is not included under the claim, you have to prove that person was: a traveling companion, and was booked on the same flights, cruise, excursions, etc. as the covered passenger(s)

6 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

7 Copy of tour brochure Printed version of cancellation terms and conditions

8 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

9 Invoices for all trip costs Copies of all invoices for costs being claimed air, sea, land transportation accommodation sightseeing etc.

10 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

11 Copies of Proof of trip payments canceled checks cash receipts credit card statements or paid invoice documenting amounts and dates of each payment made

12 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

13 Proof of cancellation refunds Copies of statements showing any amounts refunded to you

14 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

15 Reason for claim with proof 1. Names and addresses of all: physicians other provider of medical services hospitals or clinics consulted by ill traveler from 60 days prior to purchase of policy up to departure date

16 Reason for claim with proof 2. Attending physician s statement, including: specific diagnosis date of diagnosis, and whether or not the patient was medically able to travel at time insurance was purchased

17 Reason for claim with proof 3. Additional data may be requested Letter from physician Phone call to physician s office Patient records

18 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

19 Release Form Gives permission for release of medical information Signed and dated by patient

20 What Do You Need to Make a Claim? Original airline tickets, vouchers Copy of tour brochure All invoices for trip costs Proof of trip payments Proof of cancellation refunds Reason for claim with proof Release of information form Airline ticket authorization form

21 Airline ticket authorization form I assign all rights, title, and interest and rights of recovery and travel credits I may have against the above-mentioned airline(s) as a result of the insured trip. I agree that I have not used or exchanged these tickets for other tickets, nor will I in the future.

22 Summary: 1 The onus is on you to prove you are not trying to defraud the insurance company.

23 Summary: 2 They may assume the physician is providing inaccurate information, despite his completing the attending physician s form. They may: request a letter phone the physician s office and request more information request copies of chart notes

24 Summary: 3 Insurance company will leave no stone unturned in attempt to deny claim They will draw out the process for as long as possible in order to delay making a payout for as long as possible This may include claiming you did not submit a form you did submit, so you have to submit it again (KEEP COPIES!)