Making a claim when travelling

This is no laughing matter: 6 out of every 10 travel insurance claims that insurers deal with are down to a health issue. That’s why it is essential to have a policy that, among other features, covers medical expenses, medications and hospitalisation at the destination.

Health issues abroad sometimes lead to serious illnesses or even the death of an individual. In these delicate situations, a travel insurance policy makes it possible to transfer a customer from another country to Spain. This way, the insured party or their family do not need to deal with the expense of a service that costs thousands of euros.

The cancellation of a trip for personal reasons or because of another party is another common claim. This includes the cancellation of a flight or another transport service, an emergency surgical procedure, the death of a family member, initiating a job, etc. Provided that it is included in the policy, a cancellation is covered by a travel insurance policy.

The loss or delay of a traveller’s luggage is another mishap that causes harm or damage to travellers. In the first case, a travel insurance policy compensates the insured parties provided that the transport entity is responsible for the loss of luggage. And this kind of policy can also help those financially impacted by their luggage arriving late at their destination.

When travelling abroad, it may be the case that a particular individuals needs to prolong their stay in the country, return to Spain earlier than planned or they may suffer a delay in a transportation service. All of these mishaps are covered by SegurCaixa Adeslas travel insurance policies.

If you would like more information about these mishaps, all the details are provided in our special guide entitled 5 essential items to cover when travelling abroad. With this, you can read about how important it is to travel knowing that you are properly protected by your insurance policy.

By the way: if you like to do recreational activities in winter outside Spain, we have a specific policy for ski lovers that covers expenses and reimbursements in the event of a mishap. This is another kind of travel mishap worth knowing about.

s we said before, it is essential that, if you suffer a mishap abroad, you quickly get in touch with SegurCaixa Adeslas and notify us of the mishap within the established timeframe.

• Contacting SegurCaixa Adeslas. Insured parties can call from anywhere in the world on the telephone number +34 91 745 32 80 (line operational 24 hours a day).

• Timeframe for making a claim. Remember: unless the policy provides a longer period, the timeframe for making a claim to an insurer is 7 days. This is established in Act 50/1980, of 8 October, on Insurance Contracts.

And to process a claim when travelling, we will ask you for the following information:

• Name of the insured party.

• Travel insurance policy number.

• Telephone number.

• The place where you are.

• The kind of assistance you need.

We will also need a series of documents or pieces of evidence to verify the mishap, speed up the claim process, cover the mishap and compensate or reimburse, depending on the mishap in question. The documents and pieces of evidence usually required include:

• Medical reports.

• Police reports.

• Invoices and receipts.

• Booking receipts or travel tickets.

• Written proof of incidents (such as the Property Irregularity Report - PIR).

• Photographs.

We trust we have been able to help you understand how to make a claim when travelling. But, don’t forget that to be properly protected abroad, you need to take out a travel insurance policy that covers the main mishaps.

To disclose a mishap related to a SegurCaixa Aselas travel insurance policy, you can call us at any time of day on +34 91 745 32 80.

Unless the policy provides a longer period, the timeframe for making a travel claim to an insurer is 7 days.

When you suffer a mishap when travelling, you need to remain calm. Then, get in touch with the SegurCaixa Adeslas customer service team and follow their instructions.