[Travel Insurance Claims] View insurers’ claim forms, claims hotlines and email addresses in one place.

When travelling abroad, the last thing anyone wants is an unpleasant accident. Whether it is a delay to your trip, loss of belongings, or feeling unwell, any one of these can already spoil the mood. That is why buying travel insurance has almost become a standard step before setting off. As online purchasing becomes increasingly convenient, many people now buy travel insurance online themselves, which in turn means they also have to handle claims personally. This article sets out the claims hotlines, email addresses, claim forms, and 24-hour emergency assistance numbers of major travel insurers, so readers can easily make a travel insurance claim.

At present, most insurance companies have online platforms that allow policyholders to submit claims applications online. Generally speaking, policyholders only need to provide their travel insurance policy number, personal details and so on to log in to the online platform, then complete the claims information and upload supporting documents. Policyholders may also download the travel insurance claims application form and submit the application by post or in person. The claims application form can be found on the company’s website. If you know where to look, it is usually available under sections such as “Claims”, “Claims Settlement”, “Customer Service”, “Downloads” or “Forms”. If you still cannot find it, try asking “Google大神” via a search engine and look directly for the travel insurance claims form of that insurance company.

Many insurance companies have 24-hour emergency assistance hotlines. Customers who are overseas can also make enquiries and seek help immediately in the event of an accident. Before calling, it is advisable to have your personal details and policy number ready, so that the insurance company can follow up.

Whether a travel insurance claim can be successfully made depends on the supporting documents. Whether it is a flight or baggage delay, theft of personal belongings, or illness or injury requiring hospitalisation, documentary evidence issued by the relevant official authority or organisation must be submitted. Taking flight delays as an example, the insured must provide the insurer with proof of delay issued by the airline, and all additional expenses incurred as a result of the delay must be supported by original receipts. If the insured unfortunately falls ill and seeks medical treatment during the trip, in addition to receipts for medical expenses, they may also need to submit a medical report or diagnosis certificate, preferably with an English translation.

Many travel insurance policies require the insured to submit a claim within 30 days after returning to Hong Kong upon completion of the trip. Therefore, once the insured has gathered all the required documents above, they may need to race against time and submit the claim to the insurer as soon as possible.

Note: This article was last updated on 2 July 2024.

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.