How to handle flight delays, luggage mishaps and overseas injuries like a boss
Getting travel insurance, as its name implies, is to insure yourself against travel incidents.
By that, we mean incidents such as flight delays, luggage delays or damage. Getting injured while you’re overseas is equally distressing too.
The important thing is to stay calm and know how to handle these situations.
Steps to handle flight delays
Flight delays are more common than you might think. A short, few hours of delay might seem like a small matter. But if it affects your connecting flights, it could escalate into various additional costs such as rebooked flights or unplanned accommodations for the night.
Always remember this – a flight delay is not the end of the world, not when you have a comprehensive travel insurance that deals with just that.
Make sure you follow these steps to make the claims process smoother:
- Get a document from the airline, stating the reason for the flight delay and how long the delay is expected to be. This is one of the many important documents that will validate your claim.
- Have a digital copy of your flight details ready to be sent, which includes your flight itinerary, boarding pass, and passport stamps. Here’s a tip – you already have a scanner, and it’s your smartphone camera.
Make it easy with Tiq Travel Insurance by Etiqa
Finding a travel insurance that takes most of the hassle out of the equation, however, is not easy. Well, unless you’ve chosen Tiq Travel Insurance by Etiqa.
Tiq Travel Insurance even goes the extra mile with an automated flight delay benefit.
This means that if the flight is delayed for more than three consecutive hours, eligible claims will automatically be processed. Yes, three hours, instead of the usual six hours stipulated by most insurers to qualify for a flight delay payout.
What’s more, Tiq Travel Insurance provides automated flight monitoring and once the automated claim is credited in your eWallet, you can encash conveniently via PayNow.
That’s right. Direct and instant access. No cheques. No need to make a trip down to the claims department. It’s that easy.
Handling a luggage delay, damage or loss
That sense of dread when you realise all the luggage are out and you don’t see yours? We can relate to that.
Don’t panic. Your first step is to locate the airline’s baggage service desk and request a Property Irregularity Report (PIR).
Within the form, fill in as many details as you can of your luggage, including its contents. You’ll need to submit the form to the airline but do ask for a copy of it. This will be one of the documents you’ll need for the worst case scenario.
So when will it become a lost cause, or to be more precise, a piece of lost luggage? The airline will provide a tracking ID for you to keep track of the status. After 21 days, if the airline still fails to locate your luggage, it will be declared lost.
At this point, your PIR will come in useful for your travel insurance claim to reimburse your lost luggage and the content within. Each insurer has different payout amounts to cover lost luggage.
With Tiq Travel Insurance, you’re looking at a coverage value of up to $3,000 ($250 per article) for your lost luggage. Even if the situation wasn’t that dire and it’s only a few hours of delay, you also get compensated up to $200 ($100 per 6 hours).
Injured while you’re abroad? Stay calm and follow these steps
Being injured during an overseas trip is probably the last thing you want when you’re on holiday.
But when it happens, it happens. What’s more important is for you to stay calm. It’s even more important to be a solid support if it’s your family members who are injured and you’ll have to tend to them.
First and foremost, seek treatment at the nearest clinic or hospital for your ailment.
At the same time, contact your travel insurer once the incident happens and inform them of the situation. You should also use this opportunity to double-check on the coverage, especially if what you’re treated for is a pre-existing condition.
Likewise, documentation is a very important part of the process. Retain all the medical documents provided by the clinic or hospital. By that, we mean documents besides a bill or receipt from the clinic. Check with your insurer on the specific required documents so that you can request for it from the medical personnel.
If you were injured due to an activity, obtain a written incident report from either the tour agency or the staff at the location. For example, if you fell while skiing, document it with the ski resort. This adds to the evidence that the cause of your injury is not due to negligence if a certified instructor was there.
Are pre-existing conditions covered?
Not all travel insurance plans are created equal. This is apparent because not all travel insurance plans have this feature. Here are some examples of common pre-existing conditions:
Fortunately, this is provided by Tiq Travel Insurance under its Pre-Ex plans. The comprehensive plans cover conditions such as diabetes, stroke, asthma and many more during your trip.
The benefits? You’re looking at overseas medical expenses that can be covered up to $150,000 and daily hospitalisation benefits up to $20,000. Should you require emergency medical evacuation due to your pre-existing conditions, the coverage extends to $250,000.
Covering the bases with Tiq Travel Insurance
Travel insurance is more than ensuring you’re adequately covered for travel incidents before and during your trip.
The most basic coverage should include your flight delays, baggage damage or loss and medical emergencies and even if something happens to your home.
On top of that, you need to consider various add-ons that cover a wide range of scenarios.
Road trips, for example, can be challenging. If you’re unfamiliar with the roads, you could potentially damage the rental car. Getting a rental car excess to cover the repair cost is a prudent move, with up to $1,000 excess covered by one of Tiq Travel Insurance add-on options.
However, you should think further and look at the usual coverage, both during and after your trip. What of the additional cost of boarding your pet if you aren’t able to return in time to pick them up due to flight delays? Will your children’s education be taken care of should something happen to you?
The above concerns are covered by Tiq Travel Insurance add-on options, with coverage up to $1,000 ($50 for every 6 hours) to cover your pet’s boarding cost should you be delayed. Your child will also be taken care of, with up to $15,000 ($3,000 per child) for their education needs.
Protect everyone and everything with Tiq Travel Insurance by Etiqa
Remember this - no one plans to fail, but fails to plan. Travelling for a holiday is about relaxing and enjoying the trip. But your top priority is to keep you and your loved ones protected in the event of an incident.
Consider Tiq Travel Insurance and its comprehensive add-ons as part of your travel planning before your holiday begins.
- This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K)
- Protected up to specified limits by SDIC.
- Information is accurate as at 19 Jun 2019.