What should I do if my travel insurance claim is denied?

Get the reasons in writing, identify the exact policy wording relied on, organise the supporting evidence and ask for review if there is a factual or policy dispute. Verify the correct complaint route for the insurer and jurisdiction before escalating.

What if the insurer keeps asking for more documents?

Keep a dated request-and-response log. Send relevant records once, note what has already been supplied and explain clearly if a requested document does not exist or cannot reasonably be obtained.

Can I complain to an ombudsman or regulator?

Possibly, but the correct body and timing depend on the insurer, policy and jurisdiction. Check the current official complaint route rather than assuming one national process applies.

Should I accept a partial payment?

Read the offer carefully and check whether acceptance is stated to settle the whole claim or only an undisputed part. If uncertain about legal effect, obtain qualified advice before agreeing.

Travel Insurance Claim Dispute Next Steps

Move a travel insurance claim dispute forward

Start with the policy, the event that caused the claim and the insurer’s written position. Identify the disputed point, organise any missing evidence, make a clear review request, track the response and verify the correct local complaint or escalation route before taking formal action.

General information only — not legal advice · Reviewed 4 October 2026

General resolution guideChoose country and region before relying on jurisdiction-specific legal steps, deadlines or escalation routes.

Choose location

Identify the disputed decision

Record whether the claim is delayed, reduced, partly paid or denied and preserve the insurer’s written reasons, policy clause or exclusion relied on.

Compare the decision with the claim file

Put the policy wording, event timeline, supporting medical or incident evidence, claimed costs and refunds beside the insurer’s reasons so the real point of disagreement is visible.

Answer information requests clearly

If the insurer asks for more material, list what was requested, what you supplied, the date sent and anything genuinely unavailable. Do not invent missing detail.

Request review in writing

State the claim reference, disputed point, supporting records, outcome requested and a reasonable response date. Keep proof of sending and every reply.

Verify the correct escalation route

Internal dispute resolution, ombudsman, regulator, tribunal or court options depend on the policy issuer and jurisdiction. Confirm the current official route and any deadline before escalating.

Important limitation

GetInstantResolve helps organise communications and next steps. It does not decide policy coverage, overturn an insurer decision, provide legal advice or guarantee payment.

Related resolution guides

Keep moving the matter forward

Travel refund follow-up plan Write a clear complaint Resolution contact log

Continue the journey

Use the right tool for the next job

GetInstantProofOrganise the policy, timeline and claim evidence first.GetInstantLawCheck legal information for your country and state or region.

Common questions