Making a travel insurance claim whilst visiting Pattaya Thailand
Making a travel insurance claim whilst visiting Pattaya Thailand
You will never know how good your travel insurance is until you need to make a claim, but generally if it is with a reputable company there should not be problem. Also if you have taken care and checked the small print you will know exactly what you can claim for or not. Care should have been taken to make sure you have given all the correct details before hand, examples would be if want to go andride a motorbike over 250cc or paragliding whilst in Pattaya or anything else that could be regarded as hazardous. Informing them of pre-existing medical conditions is a must even visits to a doctorwithin the last 5 years is also common.
Any valuable items you must also specify before hand such as notebooks, expensive watches etc. In the event of a claim insurance companies will ask for the receipt of original purchase this can be very difficult aswho keeps receiptsof purchasesof afew years.To make any claim the travel insurance will require documentation to accompany the claim. Keep inmind that most policies are loaded with an excess generally around a hundred pounds, anexception tothis rulefor example might well be travel delay or baggage. As policies vary a lot in conditions read and double check everything.
Althoughvarying types of claims are dealt with in a slightly different ways the principles are the same. If you should be unfortunate and loose or have your passport stolen this will in most policies be covered by insurance. In this circumstance you must report its loss to a local police station as well as an embassy to obtain a replacement. Loss of passports, cashor any valuables must be reported to the police in any case. The procedure to followin Pattaya, is to go in person to thecentral police station located on Beach Road firstly obtaining a ticket on entering the station and await your turn. The officer will require full details and make a report typically this is in the region of 40 baht the document will be in Thai but is your proof of reporting the incident.
If you see a local doctor pay for his charges and any medication prescribed keeping in mind the excess on your policy which if for a minor sum of money is not really worth claiming for. More serious is hospital treatment, the hospital will require up front payment in cash or a credit card. Keep all receipts as they will be required to make a claim on your return. If it is really serious and long term care is needed you, a friend, relative or the hospital will need to contact your insurer to obtain authorisation regarding treatment.
Travel delay or missed flightare other common reason to make a travel claim, it might surprise you to know that if your car should break down on way to the airport and you miss the flight, some insures will ask to see the service history of the car you were travelling in to make sure it has been regularly serviced properly. Travel delay is normally payable after 12 hours delay and proof from the airline will be required again check with your particular insurer.
Mobile phones are not normally covered, although some policies such as those that are in conjunction with banks may. Keep in mind that if a mobile is covered they will expect you to have reported its loss to the police and the mobiles network for cancellation. They will also want a statement on its usage over the last month. This is to stop the unscrupulous from reporting a lost old mobile hanging around in a drawer at home.
Taking care and diligence is the key with travel insurance and peace of mind, with luck you may never need to use but having adequate cover when needed is a must. The Buckeyes clinch top seed in the Big Ten tournament Great Places For Wedding Destination In USA London 2012 Olympics Tickets Know about UFC and where to train MMA in Australia New Years Eve Washington DC: A Fresh Start How to pack your luggage efficiently with rolling duffle bags when you go on holiday How to Choose the Best Franchise How to Run a Franchise Why holiday on the Costa Blanca? Using Your Natural Looks to Meet People Washington DC Visiting the Zapotec Ruin at Mitla, Oaxaca, with a Federally Licensed Tour Guide Buy the best American Eagle Shoes A Destination Wedding Makes Your Special Day Unforgettable