Depending on your relationship with the deceased and if the loss was unexpected, your travel insurance may or may not provide grief coverage. Before contacting us, it’s crucial to make sure your insurance covers the claim you’re making.
Here, we go through how your travel insurance can be useful if you need to shorten or cancel your vacation due to a death in the family.
The incident, illness, or medical condition that resulted in the death in your family must be unexpected if you want to make a claim on your travel insurance.
Travel insurance covers the death of a family member This means that if a major medical condition or terminal illness was the cause of a death in your family, you might not be able to file a claim with your travel insurance.
Can You Make A Claim For Your Vacation Being Cancelled Due To A Death In The Family?
Travel insurance is made to safeguard you from unanticipated occurrences like illness, injury, or the passing of a close relative or travelling companion.
If a close relative or travelling partner unexpectedly passes away, you may submit a claim for the cancellation of your vacation up to your policy’s cancellation restrictions.
Already paid for your travel (including lodging or airfare)? If you have to cancel your trip due to the passing of a close relative or travelling companion, your travel insurance can help with the expense of nonrefundable deposits and other payments you have to make.
Am I Protected If A Family Member Passes Away While I’m On Vacation?
If a family member passes away while you’re away, you might be able to make a claim for having to cut your trip short if the death wasn’t expected.
If you had to leave the country earlier than the time allotted for your return flight because:
unexpectedly losing a close relative the unexpected and impending passing of a close relative aa close relative’s unexpectedly terrible illness or accident
Please verify the policy limits of your travel insurance to see if the trip interruption or shortening is covered.
What Should I Do If Someone In My Family Passes Away?
Travel insurance covers the death of a family member It’s crucial that you get in touch with us right away if you need to make a claim on your travel insurance due to an unexpected death in the family.
Prior to booking any flights back home while you’re on vacation, it’s crucial that you get in touch with us to let us know what’s going on and to find out what your insurance will cover.
When you return home, you might be asked to send us evidence to support your claim. We will typically need to see a copy of the death certificate as a result of this. We understand that dealing with a loss can be difficult, and we’ll try to make the process as easy as we can.
For Travel Insurance, Who Qualifies As A Close Relative?
A close relative for the purposes of travel insurance is any of the following:
who you share a home with (in a relationship for at least 6 months at the same address, either married or cohabiting)
your young ones (including step, fostered or adopted children)
daughters or sons-in-law
relatives who are in law
Does Travel Insurance Cover The Death Of A Family Member?
Your non-refundable, pre-paid expenses, such as hotels and airfare, are eligible for reimbursement if you must cancel your vacation due to the loss of a family member and you meet all the coverage requirements outlined in your policy. The Travel Interruption and Trip Delay benefits are also covered by this insurance.
Do Funeral Costs Get Covered By Travel Insurance?
The majority of travel insurance policies cover the repatriation of remains, or the transportation of the deceased insured’s remains back to their place of origin. Some travel insurance policies also include local cremation or burial.
Is The Death Of A Family Member Covered By Allianz?
Check your plan documents’ definitions section, too. For example, a covered reason for a vacation cancellation could be a family member’s passing. Although our definition of “family member” is quite inclusive, not all members of the same family are included. For instance, cousins are excluded but aunts and uncles are included.
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