In the event of a canceled trip, claim your insurance by following these steps

It is true that programmer a trip involves a certain budget, even before leaving. Between the deposits to be made for reservations, visa fees or even plane tickets, a possible cancellation can be very bad for the wallet. Fortunately, with adequate insurance, it is possible to limit the damage. Here are the steps to follow in this case.

Do not delay canceling

As soon as the departure for the holidays is compromised, it is necessary to react quickly. Some cancellations may be free of chargesubject to meeting a certain deadline.

Moreover, the later the decision is taken, the more the penalties are likely to increase. So don’t wait very long. The topo is the same for the declaration to the insurance which must be done as soon as possible.

Gather all relevant supporting documents

When arranging a trip, a number of documents can be provided to vacationers. It is therefore recommended to keep any supporting documents made available, as this could be used in the file. These can be unused plane tickets, bills, receipts, etc. In the case of a cancellation for poor health, medical evidence can also be used.

Provide non-refundable fees

It is not always automatic that an insurer compensates 100% of its client. Indeed, according to the conditions of the contracts, a certain sum may remain the responsibility of the subscriber. This non-refundable part is called the deductible. Its amount varies, but as a general rule, it represents a share of 20%.

Pay attention to the warranty conditions

In addition, before undertaking any effective process of requesting reimbursement, it is essential to check the conditions of the insurance contract as well as the guarantees provided. It all depends on the company’s packages and offers.

It may be that the reasons for the cancellation are not admissible, for example. The best would be to opt for an all-risk contract that covers any reason, provided that the events are beyond the control of the subscriber.

Enter consumer service

Insurers are obviously entitled to refuse to carry out a refund provided that it complies with the terms of the contract. However, there may still be a slight vagueness around certain clauses. It is then possible to negotiate with the consumer service.

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