Travel insurance claim denied?
Here’s how to turn a “no” into a “yes”. How travel insurance works – a “named perils” policy covers only what is written in the policy, but even when a peril isn’t named, there’s still some wiggle room. Travel insurance companies usually assign appeals to a senior adjuster. That person will carefully review the claim to ensure the initial adjuster didn’t overlook anything. If your claim is denied review your policy to find out if it made a mistake. Read the policy carefully.
Sometimes, a travel insurance company will list the reason for the denial. “No” doesn’t always mean no. Take your appeal to the next level. Enlist the help of the insurance agent or travel agent who sold the policy. Agents can often act as intermediaries when something goes wrong with a policy.
Insurance commissioner
He or she may be able to help if your insurance company rejected your claim for no good reason.
Small claims court
You don’t need to hire an attorney to go to small claims court, but there’s a limit on the claim amount. This is often your last resort. If your agent or insurance company prevails in small claims court, that’s it.
A consumer advocate
A third party may be able to help you get a claim honored, depending on the type of claim and the advocate.
