Travel insurance: what it really covers and how to file a claim

Many travellers buy insurance without reading what it covers. The problem only appears when they need to use it.

Before you buy

What to check before buying

Look at medical cover, baggage, cancellation and delay, the limits per category and the exclusions, such as sports or pre-existing conditions.

Buy on time

Some coverage only applies if you buy soon after booking the trip. Confirm the deadlines in the terms.

When you need to use it

How to claim

Notify the insurer as soon as possible, ask for medical or police reports and keep original invoices and receipts.

Common mistakes

Paying expenses without authorisation when the policy requires it, or not keeping receipts within the deadline.

A simpler way to check your trip

To confirm the dates and names on your booking match the policy, upload your documents to AuditorTravel: it flags what doesn't add up with a traffic light (🟢 🟡 🔴).

You pay once per trip, it's not a subscription you have to remember to cancel.

👉 Check your booking for free at auditortravel.com.

AuditorTravel is an automated information tool; use it as a guide. The final decision is always yours.