A travel claim can be rejected for avoidable reasons, and most declines come down to a few repeat problems. Knowing them helps you claim successfully and challenge a wrong decision.
Common reasons for rejection
- Undeclared medical conditions, the most common cause.
- Claims for things excluded in the wording, such as alcohol related losses.
- Incidents outside the covered region or trip dates.
- Late notification or missing evidence.
What to do if it is rejected
Read the reason, check it against your policy, and gather evidence such as medical reports and receipts. Our guide to complaining about an insurer sets out the steps, and the Financial Ombudsman reviews disputes where you think the insurer applied the wording unfairly. Our explainer on what to do when a claim is rejected covers the wider process.
Before you travel
Declare conditions, keep receipts, and note emergency numbers. Choosing between single trip and annual cover and reading the limits up front prevents most problems.