{"id":98001,"date":"2026-08-12T09:30:29","date_gmt":"2026-08-12T00:00:29","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=98001"},"modified":"2026-10-16T14:36:06","modified_gmt":"2026-10-16T04:06:06","slug":"travel-insurance-claim-guide","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/","title":{"rendered":"How to Make a Successful Travel Insurance Claim Guide"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Nobody buys travel insurance expecting to use it &#8211; but when something does go wrong overseas, how you handle the next 24 hours often matters more than which policy you bought.&nbsp;According to the <a href=\"https:\/\/www.afca.org.au\/\">Australian Financial Complaints Authority (AFCA)<\/a>, more than 90% of travel insurance claims are approved, and most rejections come down to avoidable process errors rather than genuinely uncovered events.<\/p>\n\n\n\n<div class=\"wp-block-aioseo-key-points\"><div class=\"aioseo-key-points-block-content\">\n<ul class=\"wp-block-list tcm-key-takeaways\">\n<li><strong>Understand your policy (PDS\/Terms):<\/strong> Read the Policy Disclosure Statement to know what is covered, what isn\u2019t, and specifics like destination, transport, adventure activities, and multi-country itineraries.<\/li>\n\n\n\n<li class=\"tcm-key-takeaways\"><strong>Report incidents fast (and use 24\/7 assistance):<\/strong> Notify your insurer as soon as possible, use the 24\/7 emergency line, obtain a police report within 24 hours, and keep all receipts and documents as you go to avoid delays.<\/li>\n\n\n\n<li><strong>Documentation and claim deadlines:<\/strong> Keep copies of everything (receipts, statements, police reports), photograph receipts promptly, and submit claims within the insurer\u2019s timeframe (often 30 days after return; check your PDS for specifics) and be aware of policy exclusions.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Just in case you find yourself in a sticky situation, below are some tips from&nbsp;<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" title=\"\">Tick Travel Insurance<\/a>&nbsp;on what you should consider for coverage as a minimum and what your insurer will likely require from you when making a travel insurance claim.<\/p>\n\n\n\n<!-- TCM Pre-Trip Insurance Checklist: standalone block, forced styles, namespace tcm-famchk- -->\n<h2 class=\"wp-block-heading\">Checklist Before Your Trip<\/h2>\n\n<style>\nhtml body .tcm-famchk { --fc-navy:#0a1f5c; --fc-gold:#b8992e; --fc-tint:#f7f8fc; --fc-tint2:#eef1fa; --fc-border:#dfe3ee; display:block !important; width:100% !important; max-width:100% !important; margin:14px 0 !important; padding:0 !important; background:#ffffff !important; border:1px solid #dfe3ee !important; border-top:3px solid #b8992e !important; 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font-size:12px !important; font-weight:600 !important; text-transform:none !important; letter-spacing:0 !important; color:#0a1f5c !important; cursor:pointer !important; line-height:1.4 !important; }\nhtml body .tcm-famchk button.tcm-famchk-reset:hover { border-color:#b8992e !important; background:#fdf9ef !important; color:#0a1f5c !important; }\nhtml body .tcm-famchk button.tcm-famchk-reset:focus-visible { outline:3px solid #b8992e !important; outline-offset:2px !important; }\n@media (max-width: 600px) {\n  html body .tcm-famchk ul.tcm-famchk-list { grid-template-columns:minmax(0, 1fr) !important; padding:10px 12px !important; }\n  html body .tcm-famchk .tcm-famchk-meta { padding:8px 12px !important; }\n  html body .tcm-famchk .tcm-famchk-foot { padding:0 12px 10px !important; }\n}\n@media (prefers-reduced-motion: reduce) { html body .tcm-famchk *, html body .tcm-famchk *::before { transition:none !important; } }\n<\/style>\n\n<div class=\"tcm-famchk\">\n  <div class=\"tcm-famchk-meta\">\n    <div class=\"tcm-famchk-track\"><div class=\"tcm-famchk-bar\"><\/div><\/div>\n    <div class=\"tcm-famchk-count\">0 of 6 checked<\/div>\n  <\/div>\n\n  <ul class=\"tcm-famchk-list\">\n    <li class=\"tcm-famchk-item\" data-key=\"pds\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Have you read and understood the PDS? Be on the lookout for destination and mode of transportation coverage.<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"pregnancy\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">If you are expecting a baby, is your pregnancy covered?<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"activities\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Are your activities overseas covered?<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"pec\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Are your pre-existing medical conditions covered?<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"assist\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Do you have a record of your assistance number?<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"valuables\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Are your high-value items covered? Do you have receipts for them?<\/span><\/li>\n  <\/ul>\n\n  <div class=\"tcm-famchk-foot\">\n    <div class=\"tcm-famchk-done\" aria-live=\"polite\">&#10003; All checked. You&#8217;re ready to buy with confidence.<\/div>\n    <button type=\"button\" class=\"tcm-famchk-reset\">Reset<\/button>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var STORAGE_KEY = 'tcmPreTripChkState';\n  var wrap = document.currentScript ? document.currentScript.previousElementSibling : null;\n  if (!wrap || !wrap.classList || !wrap.classList.contains('tcm-famchk')) wrap = document.querySelector('.tcm-famchk');\n  if (!wrap || wrap.getAttribute('data-ready')) return;\n  wrap.setAttribute('data-ready', '1');\n  var items = wrap.querySelectorAll('.tcm-famchk-item');\n  var bar = wrap.querySelector('.tcm-famchk-bar');\n  var countEl = wrap.querySelector('.tcm-famchk-count');\n  var doneEl = wrap.querySelector('.tcm-famchk-done');\n  var resetBtn = wrap.querySelector('.tcm-famchk-reset');\n  var total = items.length;\n\n  function loadState() {\n    try { var raw = window.localStorage.getItem(STORAGE_KEY); return raw ? JSON.parse(raw) : {}; }\n    catch (e) { return {}; }\n  }\n  function saveState(s) {\n    try { window.localStorage.setItem(STORAGE_KEY, JSON.stringify(s)); } catch (e) {}\n  }\n  function setChecked(item, on) {\n    item.classList.toggle('checked', on);\n    item.setAttribute('aria-checked', on ? 'true' : 'false');\n  }\n  function updateSummary() {\n    var checked = wrap.querySelectorAll('.tcm-famchk-item.checked').length;\n    countEl.textContent = checked + ' of ' + total + ' checked';\n    bar.style.setProperty('width', (checked \/ total * 100) + '%', 'important');\n    doneEl.classList.toggle('show', checked === total);\n  }\n\n  var state = loadState();\n  items.forEach(function (item) {\n    var key = item.getAttribute('data-key');\n    if (state[key]) setChecked(item, true);\n    function toggle() {\n      var on = !item.classList.contains('checked');\n      setChecked(item, on);\n      state[key] = on;\n      saveState(state);\n      updateSummary();\n    }\n    item.addEventListener('click', toggle);\n    item.addEventListener('keydown', function (e) {\n      if (e.key === ' ' || e.key === 'Enter') { e.preventDefault(); toggle(); }\n    });\n  });\n  resetBtn.addEventListener('click', function () {\n    items.forEach(function (item) { setChecked(item, false); });\n    state = {};\n    saveState(state);\n    updateSummary();\n  });\n  updateSummary();\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Get to know your policy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First and foremost, you need to read and understand the Policy Disclosure Statement (PDS) or Terms and Conditions of your travel insurance product. You would not get a mortgage from a lender without understanding the terms, so it is a good idea to treat travel insurance the same.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The PDS details what you are covered for during your travels, and more importantly, what you are not covered for. Are the destinations you visit insured? Are all types of transportation you will use covered?&nbsp;Adventure activities, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\" title=\"Best Travel Insurance for Cruises in Australia: Cabin Confinement, Missed Ports and the Cover Most Policies Leave Out\">cruises<\/a>, and multi-country itineraries are the three areas most commonly misunderstood &#8211; always check the specific inclusions rather than assuming &#8220;travel insurance&#8221; means blanket coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are you or your partner expecting a baby?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the answer is yes, you need to understand if there are<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"> restrictions on pregnancy<\/a> and how late into the pregnancy you can travel with coverage. In addition, does your travel insurer cover IVF pregnancies the same as pregnancy without intervention?&nbsp;Most insurers set a cut-off around 24\u201326 weeks for uncomplicated pregnancies, and many exclude pregnancy-related claims entirely if you weren&#8217;t already pregnant when you bought the policy &#8211; so timing your purchase matters as much as the coverage itself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Are you a lover of sports and activities when travelling?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re a fan of canoeing and scuba diving, keep in mind that certain activities or sports may not be covered by your policy, or may require additional coverage such as winter sports cover.&nbsp;Scuba diving is a common example \u2014 many standard policies cap coverage at a certain depth (often 10\u201330 metres) or require you to hold a recognised diving certification for cover to apply at all.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you have pre-existing medical conditions?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We understand this can be a sensitive topic, but when it comes to pre-existing medical conditions, it is wise to be honest and fully disclose any condition. You generally must disclose any diagnosed medical condition for which you have suffered or received treatment in the last five years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most pre-existing medical conditions will be considered; however, acceptance of a pre-existing medical condition will depend on your individual situation and may require an additional fee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the unfortunate circumstance your condition does not qualify, you can still&nbsp;<a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\" title=\"\">purchase travel insurance<\/a>. In this instance, the refusal of coverage for your condition will only void travel insurance claims which arise from your refused pre-existing condition&nbsp;&#8211; the rest of your policy, including lost luggage, cancellations, and unrelated medical events, still applies as normal.&nbsp;For a closer look at how different insurers handle this, see our&nbsp;<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\" title=\"Travel Insurance for Pre-Existing Medical Conditions in Australia: What\u2019s Actually Covered (and What Voids Your Claim)\">dedicated guide to travel insurance for pre-existing conditions<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to report incidents<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether your travel insurance claim involves overseas medical treatment, lost baggage, or travel delays, you must notify your insurer as soon as possible if you plan on making a travel insurance claim. Your travel insurance company&#8217;s 24\/7 emergency assistance number is very useful in this situation, so always keep the number handy. The assistance team will be able to inform you of what you need to do in order to file a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A side tip: if possible, you should contact your insurance company before agreeing to any medical treatment or tests to make sure it will be covered. You must also report any incidents of loss or theft to the local police or appropriate authorities within 24 hours. Be sure to keep any written policy statements that can be used as evidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the step people get wrong most often &#8211; waiting until they&#8217;re back home to start the paperwork. Police reports in particular are far harder to obtain retrospectively once you&#8217;ve left the country, so treat reporting as something you do immediately, not on your return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do not bin documentation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you are brave enough to be travelling with high-value items, make sure those items are covered by your policy and be sure to have documentation such as receipts that show proof of ownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is also wise to keep copies of all documents and receipts related to your travels, which may be required when making a travel insurance claim. This includes airline statements in the events of misplaced baggage, police reports regarding accidents or theft, medical or doctor&#8217;s statements explaining treatment received, and receipts for additional expenses incurred due to travel disruption or delays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Travel with the mantra: too much evidence is better than not enough.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A photo of a receipt on your phone the moment you&#8217;re handed it is worth more than a promise to yourself that you&#8217;ll keep it safe. Cloud-back-up your documents as you go &#8211; a lost wallet shouldn&#8217;t mean a lost claim.<\/p>\n\n\n\n<!-- TCM Spotlight: Tick Travel Insurance CTA -->\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/tick-travel-insurance-promo-code-logo-4.png\" alt=\"Tick Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>Travel Insurance<\/span> Tick keeps things straightforward<\/p>\n      <h3 class=\"tcm-sp__title\">Budget-friendly tiers, solid cover and simple quoting<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>Tiers<\/strong>\n      <span>Choose the tier that fits your trip and your budget<\/span>\n    <\/li>\n    <li>\n      <strong>Promo code<\/strong>\n      <span>Apply a promo code at checkout to take the cost down<\/span>\n    <\/li>\n    <li>\n      <strong>Simple<\/strong>\n      <span>Straightforward quoting, so you&#8217;re done in minutes<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">See latest deals<\/span><\/a>\n  <\/div>\n<\/div>\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; 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}\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">Be aware of travel insurance claim deadlines<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We know after a holiday, you sometimes need a holiday &#8211; but do not forget to submit your travel insurance claim. 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Get a police report within 24 hours of the event.<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"statement\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Was your luggage misplaced by the airport, or did you require medical treatment? 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Keep a record of all additional expenses incurred.<\/span><\/li>\n    <li class=\"tcm-famchk-item\" data-key=\"submit\" role=\"checkbox\" aria-checked=\"false\" tabindex=\"0\"><span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\" aria-hidden=\"true\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span><span class=\"tcm-famchk-label\">Submit your travel insurance claim within 30 days of return (check your specific PDS, as this window varies by insurer).<\/span><\/li>\n  <\/ul>\n\n  <div class=\"tcm-famchk-foot\">\n    <div class=\"tcm-famchk-done\" aria-live=\"polite\">&#10003; All checked. You&#8217;re ready to lodge your claim.<\/div>\n    <button type=\"button\" class=\"tcm-famchk-reset\">Reset<\/button>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var STORAGE_KEY = 'tcmClaimChkState';\n  var wrap = document.currentScript ? document.currentScript.previousElementSibling : null;\n  if (!wrap || !wrap.classList || !wrap.classList.contains('tcm-famchk')) wrap = document.querySelector('.tcm-famchk');\n  if (!wrap || wrap.getAttribute('data-ready')) return;\n  wrap.setAttribute('data-ready', '1');\n  var items = wrap.querySelectorAll('.tcm-famchk-item');\n  var bar = wrap.querySelector('.tcm-famchk-bar');\n  var countEl = wrap.querySelector('.tcm-famchk-count');\n  var doneEl = wrap.querySelector('.tcm-famchk-done');\n  var resetBtn = wrap.querySelector('.tcm-famchk-reset');\n  var total = items.length;\n\n  function loadState() {\n    try { var raw = window.localStorage.getItem(STORAGE_KEY); return raw ? 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'true' : 'false');\n  }\n  function updateSummary() {\n    var checked = wrap.querySelectorAll('.tcm-famchk-item.checked').length;\n    countEl.textContent = checked + ' of ' + total + ' checked';\n    bar.style.setProperty('width', (checked \/ total * 100) + '%', 'important');\n    doneEl.classList.toggle('show', checked === total);\n  }\n\n  var state = loadState();\n  items.forEach(function (item) {\n    var key = item.getAttribute('data-key');\n    if (state[key]) setChecked(item, true);\n    function toggle() {\n      var on = !item.classList.contains('checked');\n      setChecked(item, on);\n      state[key] = on;\n      saveState(state);\n      updateSummary();\n    }\n    item.addEventListener('click', toggle);\n    item.addEventListener('keydown', function (e) {\n      if (e.key === ' ' || e.key === 'Enter') { e.preventDefault(); toggle(); }\n    });\n  });\n  resetBtn.addEventListener('click', function () {\n    items.forEach(function (item) { setChecked(item, false); });\n    state = {};\n    saveState(state);\n    updateSummary();\n  });\n  updateSummary();\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Insurers cannot cover everything &#8211; be mindful of policy exclusions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Make sure you are aware of exclusions, and remember: without exclusions, travel insurance would not be affordable.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102322\" class=\"elementor elementor-102322\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-237b433 e-flex e-con-boxed e-con e-parent\" data-id=\"237b433\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c92addf elementor-widget elementor-widget-html\" data-id=\"c92addf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/@tabler\/icons-webfont@3.19.0\/dist\/tabler-icons.min.css\">\r\n<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-covid-cover\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-virus tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance COVID Cover<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\r\n<script>\r\n(function(){\r\n  try {\r\n    var here = location.pathname.replace(\/\\\/+$\/, '');\r\n    document.querySelectorAll('.tcm-mtig a.tcm-country-link').forEach(function(a){\r\n      var p = a.pathname.replace(\/\\\/+$\/, '');\r\n      if (p === here) a.style.setProperty('display', 'none', 'important');\r\n    });\r\n  } catch (e) {}\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Frequent Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How long do I have to lodge a travel insurance claim?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Most insurers, including Tick, ask you to lodge your claim within 30 days of returning home, though this varies by provider and claim type \u2014 always confirm the exact window in your PDS.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What documents do I need to make a travel insurance claim?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">At minimum: your policy number, receipts or proof of purchase for claimed items, a police report for loss or theft, medical statements for treatment received, and any airline or provider documentation confirming delays, cancellations, or misplaced luggage.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Will my claim be rejected if I have a pre-existing medical condition?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not automatically. Most pre-existing conditions can still be covered, sometimes with an additional premium. If a condition isn&#8217;t accepted, only claims arising from that specific condition are excluded \u2014 the rest of your policy remains valid.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What should I do immediately after an incident overseas?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Call your insurer&#8217;s 24\/7 emergency assistance line before agreeing to medical treatment where possible, report theft or loss to local police within 24 hours, and photograph or save every receipt and document as you go.<\/p>\n<\/div><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article has been prepared in partnership with <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\" title=\"Tick Travel Insurance Promo Code Australia \u2013 Budget Cover, No Compromise\">Tick Travel Insurance<\/a>.<\/em><br><br><em>Original article appeared on <a href=\"https:\/\/thechampagnemile.com.au\/\" title=\"\">www.thechampagnemile.com.au<\/a> in 2020 and migrated to TCM Deals, enhanced by TCM Editorial staff in 2026.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nobody buys travel insurance expecting to use it &#8211; but when something does go wrong overseas, how you handle the next 24 hours often matters more than which policy you bought.&nbsp;According to the Australian Financial Complaints Authority (AFCA), more than 90% of travel insurance claims are approved, and most rejections come down to avoidable process [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98011,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-98001","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.3 - 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