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Travel insurance claim denied

Travel policies set their own appeal windows. Read yours, then act early.

1. Find out whether it is a soft or hard denial. A soft denial usually means more information is needed; a hard denial usually requires a formal appeal (per one travel-insurance comparison site).
2. Read the policy. The site above says appeal deadlines are commonly 30, 60 or 90 days; check yours for the exact number and process.
3. Gather: itinerary, non-refundable receipts, airline or provider notices, and any statement the policy requires. Share only the medical details needed.
4. Send a written appeal asking the insurer to cite the specific exclusion or condition relied on.
5. Escalate to your state insurance department if you believe the denial is unfair. Travel insurance is regulated at the state level; call a state department to confirm which one handles your policy.