Without travel insurance, unexpected disruptions can turn your dream vacation into a financial and logistical nightmare. Travel insurance acts as a safety net, helping to protect you from a range of potential problems — from medical emergencies to trip cancellations — so you can travel with confidence and peace of mind. 

If the unexpected happens and you need to make a travel insurance claim, the process can feel daunting at first. That’s why we’ve created this step-by-step guide to help you navigate the claims process with Gigasure Travel Insurance. With clear instructions and a simple breakdown of each step, submitting your claim becomes a hassle-free task. This guide is designed to empower you with the knowledge and confidence to file your claim smoothly, ensuring a stress-free experience from start to finish. 

What Does Your Travel Insurance Cover? 

Gigasure’s Travel Insurance policies are designed to provide flexibility and choice, offering Core, Pro, and Max plans to match your unique needs and budget. You can tailor your cover further with a variety of add-ons and boosts, ensuring you get the protection that fits your travel plans perfectly. Remember to carefully review your policy documents to understand the benefits included in your plan and the coverage limits for each. 

The benefits you choose when purchasing your Gigasure Travel Insurance policy determine the coverage available to you. If something goes wrong during your travels, you may be eligible to claim for: 

• Lost or Stolen Baggage: Compensation if your baggage is lost or stolen during your trip. 
• Medical Expenses and Repatriation: Covers medical costs incurred during your travels and the cost of returning home for treatment if necessary. 
• Trip Cancellation or Curtailment: If you need to cancel or cut short your trip due to unforeseen events. 
• Delays: Additional costs incurred due to delayed flights, such as meals or accommodation.
• Lost or Stolen Possessions or Cash: Reimbursement for the loss or theft of personal items or money.

Preparing to Submit Your Claim 

Gigasure has streamlined the claims process to make it as convenient as possible. You can initiate your claim through either the Gigasure app or website. Both platforms provide a user-friendly experience, guiding you through each step. From locating your policy to uploading necessary documents, the process is straightforward and efficient. 

Before starting your claim 

Before starting your claim, make sure to gather all the necessary information and documents to support it. If you're using the Gigasure app, your policy details will be readily available once you log in. For those preferring the website, having your policy documents handy is crucial for successfully starting and completing your claim. 

Gather Evidence and Report Incidents 

Before starting your Travel or Backpackers Insurance claim, make sure you have the required documents ready for a quick and easy submission. The documents needed will depend on the type of claim: 

• Mandatory Documents: Proof of travel dates, evidence of loss (e.g., property irregularity report, police report, medical certificates), receipts for claimed items. 
• Other Supporting Evidence: Any additional supporting documentation.

Your Policy Wording includes a section called “Claims Evidence” which details the information we most commonly need to assess each type of claim. It is your responsibility to give us this information.  

If you are a victim of a crime, such as theft, report it to the local police immediately. Make sure to obtain an incident report and note down the incident number—this is vital to validate your claim.  

How to Make a Claim via the Gigasure App: 

• Log in, select the relevant policy, and click the 'Make a Claim' button. The app is the easiest and quickest way to submit your claim as it pre-populates most required policy information, saving you time and frustration. 
• Follow the remaining steps to submit your claim in minutes.

How to Make a Claim via the Website: 

• Visit the Gigasure claims page, click ‘Make a Claim’ and follow the process. 
• Please ensure you have your insurance documents ready before you start the process.

Submitting a Claim for Single Trip and Annual Trip Policies 

Step 1: Find Your Policy

The first step in the claims process is to locate your policy in the Gigasure system and verify your identity. This essential step sets your claim in motion and ensures it is recorded accurately. 

Submitting a claim through the Gigasure app: 

• Go to the ‘My Policy’ section and select the Travel policy you want to claim against. Tap ‘Manage my Policy,’ and then select ‘Make a Claim’ and continue with the process.  

Submitting a claim through the Gigasure website: 

• To submit a claim on the Gigasure website, simply visit the claims page and follow the step-by-step instructions. Start by locating your policy and verifying that the details align with your original booking. This ensures a smooth and efficient verification process without unnecessary delays. 

For data protection purposes, you’ll need to verify your identity by providing your date of birth and home address. This added security step helps ensure that only authorised individuals can access sensitive policy information. Once your identity is verified, you’ll be able to access the claim form and proceed. 

If you have multiple policies with Gigasure, you'll need to select the policy you wish to claim on and ensure all the details are correct. 

Step 2: Providing Trip Details 

• Since Single Trip policies cover a specific journey, make sure to confirm the start and end dates of your trip, along with the destination where the incident occurred. This ensures that your claim is within the policy's coverage period. 
• For Annual Multi-Trip policies, select the specific trip within your policy period that corresponds to your claim. Since these policies cover multiple trips throughout the year, this step ensures that your claim aligns with the covered dates. Make sure to provide the relevant travel dates and destinations to help avoid any processing delays. 

Step 3: Provide Information About the Claim 

Incident Description for Travel Claims: For travel-related claims, provide the following information: 

• Reasons for Claiming: Choose the reason for your claim from the provided options. 
• What Happened During Your Trip: Provide details on the incident, including the date, time, and country where it occurred. 
• Who Does It Relate To: Specify who the incident relates to (e.g., yourself or a companion). 
• Description of Claim: Give a detailed description of what happened (up to 900 characters).  For example, if it’s a medical emergency, outline the events that led to the situation, any immediate actions taken, and relevant circumstances. 
• Expenses or Loss: List the expenses or losses you are claiming for, along with the total claim amount. 
• Additional Information: If more space is needed, use the additional information section (up to 1000 characters) to provide further details. 

Step 4: Upload Supporting Documents   

Now it's time to upload the documents you gathered before starting your claim. You'll need to provide both mandatory documents and supporting materials that help validate your claim. For details on the most common documents required for each claim type, refer to the "Claims Evidence" section of your Policy Wording. In some cases, we may need additional information. If that's the case, a member of our claims team will contact you. 

Proof of Travel Documents: This will help us confirm that your trip was covered by your insurance. Upload copies of your: 

• Flight tickets  
• Hotel booking confirmations 
• Any other proof of your travel dates.  

Evidence of Loss or Incident: Provide documentation that substantiates your claim. This may include: 

• Medical Reports (for health-related incidents) 
• Police Reports (for stolen items or other losses) 
• Property Irregularity Report (if applicable) 
• Receipts for any claimed expenses, such as luggage replacement or medical treatment. 
• And other supporting evidence (if any) 

If your Annual Multi-Trip policy covers multiple journeys and you're submitting claims for different trips, make sure to submit a separate claim and upload the relevant supporting documents for each journey. This helps the claims team evaluate each trip individually and ensures your claims are processed smoothly within your annual limits. 

Note: Please upload your documents, ensuring the total size does not exceed 10MB. Look out for any items marked with an asterisk (*)—they’re mandatory. Accepted file formats include jpg, jpeg, pdf, gif, bmp, png, webp, tiff, doc, and docx. 

Step 5 : Fill Recipients Details 

Payment Information: During the submission process, you will be asked to provide details for reimbursement. Make sure to fill out the following fields accurately. 

• Who Should Be Reimbursed: Specify if the reimbursement should go to you or another party. 
• Recipient’s First Name or Surname: Provide the first name or surname of the individual to be reimbursed. 
• Relationship with Recipient: Describe your relationship with the person who will receive the reimbursement (e.g., self, spouse, family member). 
• Bank Location and Currency: Indicate where your bank is located and the currency in which you wish to be reimbursed. 
• Payment Details: Enter the account holder’s name, sort code, and account number for the bank transfer. 

Once you've completed the entire process, click 'Submit' to send your claim. The claims team will then take over. 

After submission, a member of the claims team will reach out within a few working days with your claims reference number, so you can track the progress of your claim. 

Can I Submit a Claim if My Policy Has Expired? 

All claims must be submitted within 60 days of your return from your trip. You must provide the required information, such as completing a claim form. If the necessary information is not provided, it can delay the claims handler in assessing the claim. 

Tips for Positive Claim Outcomes 

• Act Quickly: It is always best to do it as soon as possible 
• Keep Documentation Safe: Keep copies of all travel-related documents, receipts, and correspondence that might be needed to support your claim. 
• Read Your Policy: Understand what is covered and what isn’t before filing your claim. For example, claims involving reckless behaviour or activities under the influence of alcohol are typically not covered. 

Common Reasons Claims Are Denied 

• Reckless Behaviour: If the insurer determines that you did not take reasonable care of your belongings, your claim might be denied. 
• Unreported Incidents: Failing to report a theft to local police within 24 hours can lead to your claim being rejected. 
• Alcohol or Substance Influence: Claims involving incidents while intoxicated are generally excluded. 

Get Covered Today 

When travelling, having Travel Insurance with Gigasure provides peace of mind that you are covered for unforeseen events. With easy access to the Gigasure claims portal, 24/7 emergency assistance, and the ability to customise your insurance cover, Gigasure makes submitting claims a hassle-free process. 

Ready to start your claim? Visit the Gigasure app or head to the website and get started on securing your reimbursement.  

For more information, please visit our FAQ section or give us shout, we are here to help.