When you buy trip cancellation travel insurance, you want to be sure the travel insurance pays your claim. Here are 5 things you can do to help your travel insurance claim be processed quickly and correctly:

Tip #1: If you get sick or injured prior to or on your trip, it's important you go to a doctor. If you don't go to a doctor, the insurance company won't believe you were sick or injured. Here's how the policies typically read:"For Trip Cancellation benefits, an actual examination by a licensed Physician must take place before the cancellation is made. For Trip Interruption benefits, this examination must take place during Your Trip."

Tip #2: A lot of information is required when making a claim, even a small one. Keep a log of people spoken to. Don't forget to keep receipts issued for services including items purchased if you have a travel or baggage delays.

Tip #3: If you ever need to file a claim, write a cover letter with a synopsis of your claim to send with the claim form.

Tip #4: Keep copies of everything you submit with your claim forms. You wouldn't believe how many people don't keep a copy. And, those are usually the ones whose paperwork seems to get lost in the mail!

Tip #5: If you look at a travel insurance claim form (or any insurance claim form), you'll see there's never enough room to fill in the doctor's information. Nor is there room to put the prescription information. Photocopy the doctor's business cards instead of trying to write them all on the form. And do the same with your prescriptions.

In addition, travel insurance plans give you assistance services including the use of a multi-lingual 24-Hour Emergency Hotline, which you can call collect from anywhere in the world.

Here's an important tip when calling the 24-Hour Emergency Assistance Hotline: Before you call them, get a phone number where you can receive a call. That way, if you are either unexpectedly cut off or you are incurring charges to make the call, they can call you on their own dime (at their own expense).

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