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This Letter to Claim from Travel Insurance can be sent to an insurance provider in order to request coverage for any travel related claim. This might relate to theft or damage to property, disrupted travel plans (such as cancelled flights), rental vehicle excess, medical costs incurred while on holiday, or any other matters which the travel insurance policy might cover.
Please note that for medical expenses (which are not necessarily travel related), we also have a Letter to Claim from Medical Insurance available. For delayed or cancelled flights, we also have a Letter to Claim Compensation for Delayed or Cancelled Flight, which is designed to be sent to the airline rather than to the insurance company.
How to use this document
This letter includes all of the relevant information that an insurer is likely to need in order to process a claim, such as the name of the policyholder, the details of the incident, the date(s) of the incident, and the items that are being claimed. There are also additional documents that can be enclosed with this letter, such as a police report or receipts. The insurer might also have their own claim form that must be completed. If this is the case, the insurer's claim form may be filled out and sent in along with this letter.
Once this letter is done, it may be downloaded, signed and sent by registered post so that the sender has a record that the letter was received by the insurer. The sender of this letter should also keep a copy of the letter, in case of future dispute.
There are no laws that specifically dictate what must be contained in a Letter to Claim from Travel Insurance. However, if a person is deliberately dishonest in an insurance claim, this is likely to constitute fraud, which is a crime under the criminal laws of each state and territory.
Regarding the contract of insurance between the insured person and the insurer, general principles of contract law, as provided by the common law, may be relevant. If the sender is unsure whether certain items are covered by their travel insurance policy, they may need to check their policy documents.
The insurer may also require particular information to be included in order for a claim to be processed and approved. Before sending this letter, the individual making the claim may check their policy documents, the insurer's website or help hotline service to be sure this letter includes all of the necessary information.
The Australian Government's Smart Traveller website also provides information about these matters.
If in doubt, seek legal advice.
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