Before you submit a claim, read your policy documents to see what is covered, what conditions apply, and what is excluded. If your claim is about a medical condition, also check whether any medical exclusions or special rules apply to that condition.
What should I check?
Look for the part of your policy that matches your situation and review it carefully.
- what it does not cover;
- any conditions that apply;
- any relevant general exclusions; and
- your Policy Schedule, including any cover or options shown there.
Reviewing these sections will help you know what information or proof you might need when you make your claim.
What documents might I need?
The documents you need will depend on your claim, but you might be asked for things like:
- your policy and Policy Schedule;
- booking confirmation and travel receipts;
- medical receipts or medical reports;
- police reports; or
- other documents relevant to the claim.
Hold on to your original documents and receipts if your policy asks for them.
When should I tell you about my claim?
Let the claims team know about any incident that could lead to a claim within 30 days after your trip ends.
You can still start your claim even if you are waiting for some documents.
Whether your claim is covered depends on your situation and the terms, conditions, and exclusions in your policy. For medical claims, also check whether any medical exclusions or special rules apply to that condition.
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