What to Do When Your Travel Insurance Claim is Denied

Insurance Services Tips 

Travel insurance is a must-have for anyone planning a trip, especially when traveling abroad. It can protect you from unforeseen events like trip cancellations, medical emergencies, and lost luggage. However, what happens when your travel insurance claim is denied? It can be frustrating and stressful, but there are steps you can take to appeal the decision and get the coverage you deserve.

Understand Why Your Claim Was Denied

The first step in appealing a denied travel insurance claim is to understand why it was denied. Insurance companies have specific guidelines and criteria that must be met for a claim to be approved. Some common reasons for denied claims include:

  • Failing to disclose pre-existing medical conditions
  • Not following the proper claims process
  • Submitting incomplete or inaccurate information
  • Engaging in risky activities that are not covered by the policy

It is important to note that insurance companies are for-profit businesses, and their primary goal is to make money. This means that they may try to deny claims whenever possible to save money. However, this does not mean that all denied claims are unfair. In some cases, the policyholder may have failed to meet the requirements outlined in the policy.

Gather All Relevant Information

Once you understand why your claim was denied, gather all relevant information related to your claim. This includes your policy documents, medical records, receipts, and any other documentation that can support your claim. Review the policy wording and make sure you understand what is covered and what is not.

It is also important to keep in mind that insurance companies may require specific documentation or information to process a claim. Failure to provide this information can result in a denied claim. Before submitting a claim, make sure you understand what is required and provide all necessary documentation.

Appeal the Decision

If you feel that your claim was unfairly denied, you have the right to appeal the decision. Contact your insurance provider and ask for an explanation of the denial. If you still disagree with the decision, ask for the appeals process and follow it carefully. This may involve submitting additional information or documentation to support your claim.

It is important to note that the appeals process can be time-consuming and may require patience and persistence. However, it is worth the effort if it means getting the coverage you deserve. Keep detailed records of all communication with the insurance company, including the names of representatives you speak with and the dates and times of the conversations.

If your appeal is unsuccessful, you may want to consider seeking legal advice. An experienced insurance lawyer can review your case and provide guidance on the best course of action. They can also negotiate with the insurance company on your behalf and represent you in court if necessary.

It is important to note that legal representation can be expensive, and there is no guarantee that you will win your case. However, if you believe that your claim was unfairly denied and you have exhausted all other options, legal representation may be the best course of action.

Tips for Avoiding Denied Claims

Prevention is always better than cure. Here are some tips to help you avoid denied travel insurance claims:

  • Read your policy documents carefully and understand what is covered and what is not.
  • Disclose all pre-existing medical conditions and any risky activities you plan to engage in.
  • Follow the proper claims process and submit all required documentation.
  • Keep all receipts and documentation related to your trip.
  • Contact your insurance provider as soon as possible if you need to make a claim.


Having your travel insurance claim denied can be frustrating and stressful, but it is not the end of the road. By understanding why your claim was denied, gathering all relevant information, appealing the decision, and seeking legal advice if necessary, you can increase your chances of getting the coverage you deserve. Remember to always read your policy documents carefully and follow the proper claims process to avoid denied claims in the first place.

It is also worth noting that there are different types of travel insurance policies available, and some may provide more comprehensive coverage than others. Before purchasing a policy, make sure you understand what is covered and what is not. It may be worth paying a little extra for a policy with more comprehensive coverage, especially if you are traveling to a high-risk destination or engaging in risky activities.

Finally, it is important to remember that travel insurance is not a guarantee that everything will go smoothly on your trip. It is simply a safety net that can provide peace of mind and financial protection in case something does go wrong. With the right preparation and understanding of your policy, you can ensure that you are protected in case of an emergency, and that your travel insurance claim is processed smoothly and fairly.