How to solve the travel change claim during the epidemic-preparation materials

This epidemic caused many small partners to cancel their trips directly. You can pay attention to whether you have bought travel change insurance. If you buy it, you can claim compensation. Here is an introduction. However, it should be noted that not all cases can be claimed.

How to claim for travel changes during the epidemic?

What can I claim for "travel change"?

"At the time of departure or during the trip, the insured needs to change the trip due to the following circumstances:

1. The immediate family member of the insured dies or is seriously injured and hospitalized;

2. The insured is hijacked;

3. The insured needs medical transportation, repatriation or hospitalization due to serious injury;

4. Within 7 days before the departure of the trip, sudden riots, plane, train or ship transportation occurred at the departure place, route or destination of the trip.

Employee strikes, bad weather, serious natural disasters or infectious diseases;

5. After the trip, sudden riots occur on the travel route or destination, strikes by employees of aircraft, trains or ship carriers, bad weather, serious natural disasters or infectious diseases. "

This novel coronavirus outbreak is an infectious disease.

What is the "travel change" for?

"Compensate the actually unused and non-refundable travel expenses paid by the insured in advance, as well as the reasonable and necessary accommodation and public transportation expenses incurred in going to the travel destination or returning to the daily residence or work place after the travel begins."

There are two situations here: cancel before the trip starts and change after the trip starts.

1. Cancel the trip that has not yet started.

Usually, when we arrange a trip, we will pay a lot of related travel expenses in advance, such as air tickets, hotels or car rentals. If the whole trip needs to be cancelled because of "trip change", the insurance will compensate the prepaid and non-refundable expenses.

If you can refund part of it, you must first apply to the booking agent for a refund. Insurance will pay for the part that cannot be returned.

Two. It changed after the trip started.

For example, in the fourth point of the above situation, if the return flight is cancelled due to the COVID-19 epidemic, then in order to return to your daily residence, you need to buy a new air ticket or pay extra accommodation fees beyond the original itinerary.

The compensation here has two parts:

Part of it is the actual unused and non-refundable travel expenses paid in advance. For example, the original planned return ticket, if the airline can not refund the ticket, the insurance company will compensate the cost of the return ticket.

The other part is reasonable and necessary accommodation expenses and public transportation expenses. That is, the cost of re-purchasing new air tickets, as well as the cost of accommodation outside the original itinerary (if any). "Reasonable necessity" can be understood as rigid expenditure without extravagance and waste. For example, if you can't book a business class ticket, staying in a five-star luxury hotel is generally limited to the standard room of a three-star hotel.

Note: Prepaid fees must be paid before the outbreak!

There will be such an exemption clause in the "Travel Change" clause:

Finally, the amount of compensation is limited to the insurance amount stated in the insurance policy!

What materials do I need to apply for "travel change"?

The "travel change" caused by the novel coronavirus epidemic generally requires the following materials:

For cancellation of trips that have not yet started:

1. claim application form (claims submitted online can be filled in online)

2. The front and back of the insured's ID card, passport photo page and visa page.

3. The front of the bank debit card used to accept compensation (it must be my own bank card, and minors need the guardian's bank card and proof of relationship)

4. Screenshots of booking documents and payment records of original claims such as air tickets and hotels (including payment amount and time)

5. Explain that all or part of these original reservation items cannot be returned (email is acceptable).

For the change of travel origin, you also need to provide:

6. Payment record of refund and change fee (please keep the new ticket registration card)

7. Screenshots of booking documents and payment records of extra expenses such as air tickets and hotels (including payment amount and time).

It is recommended to give priority to submitting claim materials online, which is convenient and fast!

Historical submission method: Pay attention to WeChat official account WeChat "Historical Insurance Starr"-self-help-claim application.

Allianz's submission route: Payatt

AXA submission route: Pay attention to the official WeChat account "AXA Tian Ping Insurance"-policy service-online claim settlement-select health insurance business.

Is it possible to cover all travel insurance?

Not necessarily!

It depends on the guarantee responsibility on the policy! There are no relevant safeguards such as "trip change" or "trip obstacle".

Please refer to the insurance clauses of the insured products.

Is it effective to buy travel insurance now?

I'm sorry, with the travel insurance I bought now, the insurance company can't bear the insurance liability caused by COVID-19, because this epidemic is a known risk, and insurance can only cover unknown risks.

So, again, the insurance should be taken out as soon as possible! Basically, I bought a plane ticket and then I can go to travel insurance. You can set the effective date of the policy as the departure date, but in fact, some guarantees have been quietly promised to you before the effective date of the policy, such as "itinerary change"!

However, although the travel insurance purchased now cannot bear the insurance liability caused by COVID-19, the risks in the journey are not limited to these! There are other unexpected risks, acute risks and other "travel change" risks that need attention. Therefore, even if you buy it now, travel insurance still plays an important role!

No one expected the outbreak of COVID-19, just as many risks were unpredictable.

In addition, the common factors that lead to "travel changes" are bad weather, strikes, riots and so on. For example, flights at the Hong Kong airport were delayed and cancelled due to riots last year.

During the journey, even in life, there will be all kinds of risks we can't predict. You have the right to choose whether to keep the risk or pass it on to the insurance company.