We Filed a Travel Insurance Claim — Here's What Happened

When we had a medical emergency abroad, the claim was paid in under three weeks — because we called the insurer first and kept every single document. Here’s exactly how it went, so you know what to do if it happens to you.

What happened

A kitchen accident on a long trip meant an ER visit, stitches, and a follow-up. Not dramatic, but not cheap either — the kind of thing that’s genuinely common on the road.

The steps that worked

1. We called the insurer’s 24/7 line first. They confirmed the hospital was covered and told us what to keep.
2. We kept everything — itemised bills, the medical report, prescriptions, receipts, and photos of it all on our phones.
3. We paid up front and claimed back (common for smaller amounts) — the insurer reimbursed to our bank.
4. We filed within the deadline through the online portal, uploading the documents.
5. We answered their follow-up question fast — one missing detail is what slows most claims.

Payment landed in about 18 days.

What we’d tell anyone

• Call before you pay for anything major — some things must be pre-authorised.
• Document obsessively. No receipt, no payout.
• Know your deadline — claims have time limits.
• Buy enough cover. A high medical limit is the whole point. See what travel insurance actually covers.

Choose a policy in our best travel insurance for nomads guide. More in Nomad Life.

Frequently asked questions

How do you file a travel insurance claim?

Contact your insurer's emergency line first, keep every receipt and medical document, take photos, file the claim through their portal within the deadline, and provide bank details for reimbursement.

How long do travel insurance claims take?

Straightforward medical claims with full documentation are often paid within 2–4 weeks. Missing paperwork is the biggest cause of delays, so keep everything.