In an ideal world, each vacation away from home goes smoothly and no surprises disturb our time away. In real life, we all have to improvise around unexpected events. Illnesses, injuries, or travel disruptions can happen anywhere in the world and at any moment. Sometimes this can bring on unpredicted expenses which can be quite a burden.

Cancelled flights board at the airport. Travel Insurance can help you to deal with this issue.

Having travel insurance to cover those unexpected expenses is a huge relief. If you’re feeling daunted about making a claim, however, fret not. Here’s what you can do to avoid delays and make sure your claim goes smoothly.

  1. Call or email your insurance company before you see a doctor, if possible.

    A representative will be able to explain what your coverage includes… and what it doesn’t include. Avoid bad surprises by getting the information directly from the pros. Get claim forms online or by email to start the paperwork as soon as possible.

  2. Mail in your claim forms as soon as possible.

    Even if you don’t have all the bills yet. In many cases, the insurance company will be able to request the proper documents from the hospitals and doctors for you. The faster the forms are sent in, the faster the claim can be processed.

  3. Consider drafting a short timeline of events and expenses.

    We didn’t witness what went wrong and we want to understand what happened. Give us some context for non-medical bills so that we don’t have to ask for more information down the line.

    how to speed up insurance claim

  4. Make sure to complete all the sections of your claim form.

    If in doubt, call the insurance company to get assistance. We’re here to help and we want to make this quick and efficient for you. Incomplete forms will be sent back and the file can’t be processed until all the paperwork is received.

  5. Keep all your receipts, big and small.

    You will need proof of travel dates; meal receipts near the border or at the airport can be used. For expenses being claimed, the insurance company will always need a proof of payment, so the receipt is essential.

Navigating through the insurance process doesn’t have to be stressful or confusing. Avoid lags and issues by contacting your insurance company as early as possible and asking for guidance when you need help. Remember, we are more than happy to answer your questions and lend a hand.

Happy travels,


Catherine joined TuGo in 2013 as a Claims Examiner. She enjoys volunteering as a mentor with KidStart.

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  • Leah

    Thanks for these super helpful tips, Catherine! If my family or I ever have a claim, I’ll know what to do!

    • Catherine

      Great! (although I hope nobody gets injured during your next trip!)

  • Karim Jamal

    Excellent post Catherine! Your tips will reduce a lot of the stress for travellers and insureds!

    • Catherine

      Thanks Karim! I hope the tips will help readers feel more comfortable with the claims process 🙂

  • Joyce Liu

    What a brilliant idea the timeline of events and expenses is!

    • Catherine

      Thank you Joyce! I hope it becomes a better known tool to communicate information for claims. 🙂

  • Daiana De Gracia

    Awesome!! Very important to know!

  • Jamie

    Very helpful tips! Thanks for sharing, Catherine!

How to Speed Up Your Insurance Claim

Jan 21 2014