A Comprehensive Guide to the Procedure for Travel Insurance Claims


When you purchase a travel policy from a reputed company like  Tata AIG Travel Insurance, it basically protects you in case of any unexpected events during your trip. If you do need to file a claim, understanding the proper steps and required paperwork can help ensure a smooth process when dealing with insurers.

This guide will walk you through the claims procedure in detail, including the documents you will need when handling international travel insurance claims.

 Travel Insurance Claims

Travel insurance helps you secure your trip financially in case of an unexpected situation arising during your trip. For example, if you get sick and need a doctor, or if your flight is delayed or cancelled, or if your bags get lost, etc., your travel insurance plan offers coverage.

This is when insurance claims come into play. However, to initiate a travel insurance claim, you must inform the insurance company as soon as possible.

Moreover, you must submit the required documents proving what went wrong. Once your claim request and the documents shared are validated, the insurance provider will release the claim amount.

 Key Steps in the Travel Insurance Claim Process

The travel insurance claim process involves the following steps:

 Intimate Your Insurer

The first and most important step is letting the insurance company know right away when something goes wrong on your trip. You need to contact them immediately. There are a few easy ways to do this:

  1. Call their 24-hour phone number and explain what happened over the phone.
  2. Email their customer service department with the details.
  3. Go online to their website or mobile app and submit a claim form.
  4. If you are nearby, you can also visit their local office in person.

 Complete the Claim Form

When you contact them, give basic information like your name, travel insurance policy number, the date and place where the incident occurred, and describe the reason for the claim.

Make sure to write down any reference numbers or details from your communication so you have records of notifying them right away.

Don’t forget to include any receipts, doctor’s notes, or other paperwork showing the expenses incurred.

 Gather Relevant Documents

Documentation plays a vital role in the travel insurance claim process. Hence, gather essential documents such as the original policy document, proof of travel (like boarding passes, tickets, etc.), receipts for expenses incurred (medical bills in case of medical expenses, accommodation expenses in case of expenses incurred due to delayed flight, etc.), police reports (in case of theft or baggage lost), and any other relevant documentation requested by the insurer to support your claim.

 Claim Processing

After you give the insurance company your claim form and papers, they will carefully check everything. They will ensure that the claim raised is within the purview of the policy coverage, the documents submitted are genuine and valid and complete other verification formalities.

The insurer can call or email you for more details or if they need any other documents from you. Prompt response can speed up the claim process. The more you cooperate by providing whatever information they need, the quicker your claim can be settled.

 Claim Settlement

The insurance provider will decide to approve or deny your travel insurance claim after reviewing your details. If approved, they’ll pay you based on your policy.

If denied, they’ll explain the reason for rejection. The goal is to clearly communicate regardless of your claim being paid or rejected.

 Claim Payment

If your claim is approved, you will get the money from the insurance company. The claim is generally paid out through direct transfer to your designated bank account online.

Most insurance companies like Tata AIG payout approved travel claims within 7 to 15 working days after you submit all the required documents.

However, if you don’t receive the payment within the expected time frame, you should follow up with them. Call or email to check on the status and make sure there is no delay in getting your claim settlement money.


With the right travel insurance plan and by following proper procedures, you can ensure seamless processing of travel insurance in India. Though no one hopes for mishaps during travel, being prepared with these claim-filing tips can provide relief if the need arises.

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