We hope that your trip goes smoothly, but if something unexpected happens Cover-More India will be there to help.

You'll find all the information you need about claims assistance right here, including a step-by-step guide to submit your claim, links to all of the supporting documents , and advice about claims related to specific events or travel providers.

Once you have submitted a claim we will respond within 12 working days of receipt of all necessary documentation.

If you have additional questions about the claims process, or about a specific claim that you've made, please feel free to contact us at +91 22 6602 2670 / 4090 1544 or email  [email protected]

How to make a Travel Insurance Claim

Don't worry if something disrupts your trip; we're here to help. It's fast and simple to file a travel insurance claim. Just follow these five steps:

  1. Download & complete a claim form (PDF).
  2. Add your supporting documentation. Not sure what to include? See the list of supporting documentation below that we'll need to process your claim.
  3. Make a copy for yourself just in case.
  4. Mail your original claim form and all supporting documents to:

Claims Team

5th Floor,

Mistry Bhawan

122, Dinshaw Vachha Road,

Churchgate,
Mumbai 400020.

P: +91 22 6602 2670 / 4090 1544

NOTE: Make sure you take copies of your supporting documentation in case the documents are lost in the mail.

Supporting Documentation

International Protection Plans

Medical Expenses - Section A

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original policy schedule duly signed by the customer or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Consultation notes/ treating doctor’s notes detailing the complaint and treatment and past medical history.
  6. Investigation reports or lab reports (if applicable)
  7. In case of hospitalization; admission notes, investigation reports & lab reports, discharge summary.
  8. Bills and receipts of expenses incurred towards the treatment.
  9. Referral notes from doctors for any investigation of treatment.

Repatriation Expenses - Section A

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the insured OR nominee
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Consultation notes/treating doctor’s notes detailing the complaint and treatment and past medical history
  6. Investigation reports or lab reports (if applicable)
  7. Death certificate mentioning the reason for death
  8. Bills and receipts of expenses incurred towards the repatriation / funeral

Evacuation Expenses - Section A

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Consultation notes/treating doctor’s notes detailing the complaint and treatment and past medical history
  6. Investigation reports or lab reports (if applicable)
  7. In case of hospitalization, admission notes, investigation reports & lab reports, discharge summary
  8. Bills and receipts of expenses incurred towards the treatment
  9. Referral notes from doctors for evacuating the insured with reason

Personal Accidental Death - Section B

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & cancelled passport copies
  5. Medical report from attending doctors
  6. Assignee's name with relation
  7. Certificate - official documents/ FIR Police Report
  8. Death Certificate

Loss of Baggage (Checked-in Baggage) - Section C

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. PROPERTY IRREGULARITY REPORT issued by the airlines (compulsory)
  6. A letter from the airline stating that the baggage is permanently lost
  7. Copy of cheque / advice of compensation received from the Airlines
  8. List of items contained in baggage lost: - 1. Its price 2) Bills /receipts 3) Year of purchase. Bills and receipts for the item above USD 100( Per unit)
  9. Baggage claim form submitted to airlines

Delay of Baggage - Section D

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. PROPERTY IRREGULARITY REPORT issued by the airlines (compulsory)
  6. Original bills / receipts of emergency items purchased (clothes, toiletries) during the period of delay (compulsory)

Loss of Passport - Section E

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Copy of old & new passports
  6. Police report. (To be reported within 24 Hrs.)
  7. Original Embassy Receipt
  8. Original bills/receipts for expenses incurred in obtaining replacement passport or emergency travel certificate

Third Party Property Damage (TPPD) - Section F

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Receipts or estimates for repaired or damaged items
  6. Copy of legal notice received to the insured by the third party and correspondence exchanged

Trip Cancellation - Section G

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the insured
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of airline ticket, passport copies
  5. Original bills and receipt for the booked trip
  6. Original receipts/statement for cancellation charges applied along with copy of cheque /bank statement for the amount refunded
  7. Death certificate (in case of death) or discharge summary from hospital
  8. Letter from the travel company mentioning the total tour cost and cancellation charges applied and refunded amount

Trip Curtailment - Section H

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the insured
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Death certificate in case of death of immediate family member in India
  6. Medical report of hospitalization of immediate family member in India
  7. Details of expenses incurred for pre booked, personal accommodation and travel charges along with supporting payment receipts and relevant documents
  8. Details of new bookings of travel tickets with ticket, invoices and receipts

Missed Connection - Section I

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the insured
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Airlines letter stating the reason for flight delay / flight cancellation
  6. Detailed list of expenses incurred due to missed connection of flight or cancellation of flight along with original bills & receipts (compulsory)
  7. Complete tour itinerary along with breakup cost from tour operator for the scheduled tour

Bounced Hotel Booking - Section J

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Letter from the hotel stating the reason for service cancellation.
  6. Bills and payment receipts for pre-booked hotel services.
  7. Bills and payment receipts for transportation and alternative hotel booking
  8. Copy of cheque/statement for refunded amount.

Hijack Distress Allowance

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the insured
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Newspaper cutting mentioning the hijack news and release of insured

Daily Allowance in Case of Hospitalization

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Copy of the discharge summary mentioning the admission and discharge date.

Accidental Death & Dismemberment on Common Carrier

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Copy of tickets of common carrier on which the insured was travelling
  6. Certificate from the doctor treating or hospital mentioning the level of disability or dismemberment
  7. Police FIR with complete circumstance of accident

Escort for Child

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Death certificate mentioning the cause of death of the customer accompanying being parent
  6. Bills and payment receipts for previously booked air ticket.
  7. Bills and payment receipts for fresh booking of air ticket for the insured

Trip Delay

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Letter from the service provider stating the reason for delayed service with delayed time and duration until resuming of the service

Home Burglary Insurance

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. First Information Report (FIR) registered with the police
  6. Proof of ownership of items stolen from the house
  7. List of items lost / burgled

Overseas Travel Service Supplier Insolvency

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Confirmed itinerary from the travel company
  6. Proof of the overseas travel company's insolvency
  7. Original bill and receipt of expenses incurred in rescheduling the tour
  8. Cost wise breakup of the unused part of the tour
  9. Proof of other costs incurred in returning to India

Loss of International Driving License

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies.
  5. First Information Report (FIR) filed with the police in visiting country.
  6. Bills and payment receipts of expenses incurred in issuing new license.
  7. Copy of old and new international driving license.

Rental Car Insurance Excess

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the customer
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Copy of the plan under which the car is insured bearing the excess amount
  6. Proof of hiring of rental car with invoice and payment receipt
  7. FIR mentioning the theft or damage of the car
  8. Proof of liability of the loss or damage

Loss of Laptop

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Original police complaint from the place of loss
  6. Proof of ownership of the lost laptop

Substitute Employee

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Letter from the company stating the need to replace the sick employee with designation of both employees and specific purpose of visit of sick insured
  6. Discharge summary of the insured showing dates of hospitalization
  7. Bill of the hospital in which the insured was hospitalized
  8. Copy of air ticket of replacing employee and passport

Compassionate Visit

  1. Covering letter detailing the circumstances of claim and claimed amount
  2. Duly filled and signed claim form from the customer
  3. Original plan schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket & passport copies
  5. Discharge summary of the insured showing dates of hospitalization
  6. Bill of the hospital in which the insured was hospitalized
  7. Copy of air ticket and passport of the visiting family member
  8. Bills and receipts of expenses with regards to stay and travel

Golf Equipment Cover

  1. Cover letter stating the circumstances of loss and amount claimed
  2. Claim form
  3. Insurance certificate copy
  4. Air ticket copy
  5. Passport copy with immigration stamp of departure from India and Visa copy
  6. Proof of hire / ownership of golf equipment
  7. Confirmation from the airline stating total permanent loss / damage to the equipment
  8. FIR copy from police in vase of theft

Domestic Protection Plans

Accidental Medical Expenses

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative.
  4. Copy of air ticket or e-ticket or train tickets.
  5. Consultation notes/treating doctor’s notes detailing the complaint and treatment taken.
  6. Investigation reports or lab reports (if applicable)
  7. Admission notes, investigation reports & lab reports, discharge summary.
  8. Bills and receipts of expenses incurred towards the treatment.
  9. Referral notes from doctors for any investigation of treatment.

Accidental Outpatient Department Expenses (OPD)

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative.
  4. Copy of air ticket or e-ticket or train tickets.
  5. Consultation notes/treating doctor’s notes detailing the complaint and treatment taken.
  6. Investigation reports or lab reports (if applicable)
  7. Bills and receipts of expenses incurred towards the treatment.
  8. Referral notes from doctors for any investigation of treatment.

Personal Accidental Death and Disablement

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket or train tickets.
  5. Medical report from attending doctors.
  6. Assignee's name with relation.
  7. Certificate - official documents/ FIR police report (if applicable)
  8. Death Certificate.

Loss of Baggage (Checked-in Baggage)

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket or train tickets.
  5. PROPERTY IRREGULARITY REPORT issued by the airlines (compulsory).
  6. A letter from the airline stating that the baggage is permanently lost.  
  7. Copy of cheque / advice of compensation received from the Airlines
  8. List of items contained in baggage lost: - 1. Price 2) Bills /receipts 3) Year of purchase. Bills and receipts of item lost.
  9. Baggage claim form submitted to airlines.

Trip Cancellation

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of airline ticket, e-tickets or train tickets
  5. Original bills and receipt for the booked trip.
  6. Original receipts/statement for cancellation charges applied along with copy of cheque /bank statement for the amount refunded.
  7. Death certificate. (in case of death) OR Discharge Summary from hospital.
  8. Letter from the travel company mentioning the total tour cost and cancellation charges applied and refunded amount.

Missed Connection

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket and train tickets
  5. Airlines letter stating the reason for flight delay / flight cancellation.
  6. Detailed list of expenses incurred due to missed connection of flight or cancellation of flight along with original bills & receipts (compulsory).
  7. Complete tour itinerary along with breakup cost from tour operator for the scheduled tour.

Bounced Hotel Booking

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket or train tickets
  5. Letter from the hotel stating the reason for service cancellation.
  6. Bills and payment receipts for pre-booked hotel services.
  7. Bills and payment receipts for transportation and alternative hotel booking
  8. Copy of cheque/statement for refunded amount.

Trip Delay

  1. Covering letter detailing the circumstances of claim and claimed amount.
  2. Duly filled and signed claim form from the insured.
  3. Original policy schedule duly signed by the insured or his representative
  4. Copy of air ticket or e-ticket or train tickets
  5. Letter from the service provider stating the reason for delayed service with delayed time and duration until resuming of the service.

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