post office travel insurance refund

Post Office Travel Insurance – Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

We see your suitcase is packed and your passport is ready. But before you dash off to your dream destination, let’s talk about that non-negotiable travel buddy: insurance.

Not just any insurance, but Post Office Travel Insurance. Here’s everything you need to know.

In this article...

Post Office Travel Insurance: An Introduction

Post Office Travel Insurance isn’t a boring old postal service. It’s a lifeline for travelers, offering a safety net across the globe. It’s been awarded the ‘Best Travel Insurance Provider’ by the British Travel Awards for 12 consecutive years – pretty impressive, right?

Their policies are designed to cover various unexpected events during your journey, from medical emergencies to travel disruptions.

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Decoding the Types of Post Office Travel Insurance

Here’s the good news: Post Office Travel Insurance isn’t a one-size-fits-all policy. They offer different types of cover to suit your unique travel needs. Here’s a quick run-through:

• Single Trip Insurance: Perfect for one-off adventures, this covers you for a single holiday or business trip.
• Annual Multi-Trip Insurance: If you’ve got a severe case of wanderlust and plan multiple trips in a year, this policy has got you covered.
• Backpacker Insurance: Designed for the intrepid globetrotter, this policy covers long trips and even working holidays.
• Over 50s Travel Insurance: Tailored for travelers over 50, this policy offers comprehensive cover and no upper age limit.
• Family Travel Insurance: A policy that protects the entire family under one umbrella. It often includes free cover for children.

The Perks and Protection: What’s Covered?

A key part of choosing your travel insurance is understanding the cover provided. Post Office Travel Insurance offers protection against:

• Medical Emergencies: From sudden illness to injury, your medical expenses are covered. This includes hospital fees, transport, and even a return journey if needed.
• Cancellation and Curtailment: If you have to cancel or shorten your trip due to unforeseen circumstances, you’re protected against any financial loss.
• Baggage Loss: Say goodbye to worries about lost luggage. If your baggage goes on an adventure of its own, the Post Office has got you covered.
• Travel Delays: Stuck at the airport due to delayed or cancelled flights? You’re eligible for compensation.
• Personal Liability: If you cause harm to someone or their property, the policy has got your back.

Remember, it’s crucial to read the policy document carefully to know exactly what’s covered.

Post Office Travel Insurance vs Private Travel Insurance: Comparison

Of course, the Post Office isn’t the only game in town when it comes to travel insurance.

There are plenty of private companies offering competitive policies. So how does Post Office Travel Insurance stack up against them? Let’s have a closer look.

Post Office Travel Insurance

Post Office Travel Insurance shines in its comprehensive coverage . It’s a solid choice for many travelers, thanks to its broad variety of plans , from single trips to annual multi-trips.

Here’s a snapshot of what makes it stand out:

• Range of Policies: With policies tailored to backpackers, over-50s, families, and frequent flyers, the Post Office caters to a wide demographic of travelers.
• Broad Coverage: They provide extensive coverage, including medical emergencies, cancellation, curtailment, lost baggage, and travel delays.
• Ease of Application: The application process is user-friendly and straightforward, with the ability to apply directly through their website.

Private Travel Insurance Companies

Private travel insurance companies, like World Nomads and Allianz Travel, bring their unique strengths to the table. Here’s what they offer:

• Specialist Coverage: Some private companies specialize in certain types of coverage. For example, World Nomads is renowned for its adventure travel insurance, covering over 200 adventure activities.
• Flexible Policies: Many private insurers offer the flexibility to extend your coverage or adjust your policy even after your journey has begun.
• Additional Benefits : Some private insurers offer extra perks. For example, Allianz Travel provides coverage for rental car damage or theft as part of their policies.

In the end, the best travel insurance for you will depend on your individual needs and travel plans. It’s important to closely examine each policy’s offerings, exclusions , and price before making a decision.

While Post Office Travel Insurance offers a one-stop-shop solution with policies for every type of traveler, private insurers may provide more specialized coverage or added flexibility.

Be sure to weigh your options carefully to choose the policy that’s the perfect fit for your journey.

Easy-Peasy Application Process

Applying for Post Office Travel Insurance is as breezy as a walk in the park. Simply hop onto their website, choose your policy, fill in your travel details, and hit apply. You’ll then receive a quote. If you’re happy with it, proceed to payment. Boom! You’re insured.

The Final Word

Post Office Travel Insurance is all about taking the worry out of your wanderlust, offering a safety net that lets you savor your adventures fully. And remember, always travel insured because no trip should be a gamble.

1. Is Post Office Travel Insurance good?

With numerous awards under its belt and a wide range of comprehensive policies, Post Office Travel Insurance is certainly a strong contender in the market. However, as with any insurance, ensure it fits your personal needs before purchasing.

2. How do I make a claim with Post Office Travel Insurance?

Making a claim with Post Office Travel Insurance is straightforward. You can make a claim online on their website, or call them on their claims line. Remember, always have your policy number and relevant documents handy when making a claim.

3. Can I get a refund if I don’t use my Post Office Travel Insurance?

If you cancel your Post Office Travel Insurance within 14 days of purchase and haven’t made a claim or started your trip, you can receive a full refund. After 14 days, the refund policy may vary.

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Post Office travel insurance review

In this article

Post Office travel insurance overview

Does post office offer the best travel insurance, how good is post office's travel insurance policy, how good is the post office at handling claims, post office travel insurance: how can i claim.

Post Office offers three levels of annual and single trip cover - 'Premier' (the most comprehensive), 'Standard' and 'Economy' (the most basic), which we've reviewed.

If you're buying cover for your family, kids (under 18s) are covered free on these policies.

The provider additionally offers backpacker cover for travellers (aged 18-60) looking to make more extended trips - which we've not been able to review. 

The Post Office is underwritten by Astrenska Insurance Limited.

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The latest data from the Financial Conduct Authority show that Post Office's underwriter - Astrenska - paid out 85-90% of claims made on annual European policies in 2022. This was above the average rate of 76%

It accepted 85-90% of claims made on annual worldwide policies - above the average of 82%.

It paid 80-85% of claims made on single trip policies - above the average rate of 73%.

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Medical emergencies: (+44) 208 865 3074 ( from abroad )  or  0208 865 3074 (from UK).

For all other claims it's 0333 333 9702 .

You'll need your policy document when you call.

• Find out more: How to claim on your travel insurance  

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Post Office Travel Insurance: A Getting Started Guide from the Experts!

The Post Office is regarded as the largest retail network in the UK as well as the largest financial services chain that’s been there for more than 370 years. However, apart from that, the company also offers insurance products, one of which is the post office travel insurance.

In this article, we’re going to talk about everything you need to know which regard to this particular travel insurance. But before that, let’s have a look at the achievements of the Post Office regarding insurances.

What is the Post Office?

Post Office has been voted the “Best Travel Insurance Provider” for 9 straight years starting from 2006 to 2015. Apart from that, it also received the Silver award from the British Travel Awards in 2016 and 2017.

As a massive network, the Post Office offers a wide range of options when it comes to their insurance policies. One of them is the rudimentary budget cover through the Super Economy Travel Insurance. There’s also the Premier Plus policy which provides complete coverage.

Primary Insurance Policies Offered

There are three main types of travel insurance policies offered by the Post Office, namely annual multi-trip, backpacker travel cover, and single trip.

Let’s have a breakdown of each of these policies:

Single Trip

The single trip insurance will provide coverage depending on your age when you obtain your insurance policy. The Post Office website states that those who are below 71 will be covered 365 days per trip. Meanwhile, those who are 71-75 will be covered 90 days and individuals 76-85 are only covered for 31 days.

As the name implies, a single trip policy will cover for you if you plan to take a single trip in the near future.

Annual Multi-trip

The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

This policy is perfect if you plan to travel several times a year without having to go through the hassles of obtaining concealment every single time.

For the single and multi-trip policies, there are five different levels available.

Here’s a detail detailing these levels alongside other important details:

All of the levels come with a personal liability cover ranging from £1-3 million. However, the Super Economy comes with various extras like death, personal accident, personal money, hospital benefits, and passport cover.

Backpacker Travel

The backpacker travel insurance is designed for backpackers who are price aware. As such, the Post Office provides two coverage options for them: Economy and Super Economy.

The two policies will provide coverage for up to 18 months. Moreover, you can come back home 3 times within a span of seven days. However, you have to keep in mind that the coverage doesn’t apply if you’re in the UK.

This is often the best option if you plan an adventure trip as it covers you from sharks to safaris and more. The policy can be availed of by anyone between 18 and 60 years old. You can also avail of additional cover for business, cruise, golf, and winter sports and add any of them in the above policies but for an extra cost.

Other Policies Offered

Apart from the major insurance policies offered by the Post Office, there are also several other policies which are as follows:

This is perfect for individuals who plan to go on a golfing holiday . Through this policy, you can enjoy the following:

• Protection in case you can’t play due to injury or poor weather
• Coverage against injury personal liability cover and while playing
• Coverage for your golfing equipment against theft

Cruise Cover

If you plan to enjoy the luxury of a cruise, then this policy is for you. It protects you from any unforeseen risks that might come along with cruise holidays. It comes with the following features:

• Coverage for a delayed transport
• Coverage for damage or stolen evening dress
• Replacement of any lost or misplaced damaged

Winter Sports Cover

Winter sports do come with their own risks, but this policy will ensure that you can still have fun despite that. It comes with the following inclusions:

• 24/7 medical assistance
• Coverage for sports like ice skating and snowboarding
• Protection from any injuries
• Protection for a damaged or stolen equipment

Worldwide Cover

This policy ensures that you won’t suffer from any issues with your insurance when you go traveling around the world. It comes with the following features:

• Emergency repatriation
• 24/7 medical emergency helpline
• Replacement for lost or stolen documents
• Financial coverage for medical treatment in the event of injury or illness when traveling

Pre-Existing Medical Condition

Post Office’s coverage for a pre-existing medical condition ensures that you can get to have fun and enjoy life despite your condition. It includes the following features:

• Quick and easy repatriation
• Treatment monitoring
• Payment for any medical expenses while you’re traveling

Family Cover

This is the perfect policy if you plan to travel together with your policy. This will allow you to avoid any hassles that come with obtaining individual policies for each of your family members. It includes the following:

• Maximum of £10 million emergency medical coverage in the event of injury or illness while traveling
• Assistance during a vehicle breakdown missed departure or delayed public transport

Cost and Coverage

One of the main reasons why the Post Office travel insurance has managed to outdo most of its competitors in the market is its very cheap cost. In fact, it has the cheapest insurance quotes available on the market.

When it comes to coverage, Post Office covers all basic forms of coverage including property damage, comprehensive coverage, and bodily injury liability among others. However, you can also gain access to special kinds of coverages that are exclusive to Post Office travel insurance members.

These special coverages come in the form of emergency road service, rental reimbursement, and mechanical breakdown insurance.

Policy Exclusions

These are the general exclusions that apply to any of Post Office’s travel insurance policies:

• Claims due to war or act of terrorism
• Traveling for the purpose of receiving treatment overseas
• Traveling without heeding the advice of a medical professional
• Personal injury caused intentionally
• Taking part in an organized sports competition

Other Important Information about the Post Office Travel Insurance

• Apart from providing coverage for any personal injury or illness sustained while traveling abroad, the Post Office will also offer guidance, assistance, and advice regarding legal proceedings and obtaining proper compensation.
• When applying for any of their travel insurance policy, you can also choose to add an Excess Waiver. This will allow you to reduce your excess to zero, thereby removing the need to contribute to the cost of your claims. However, be prepared to spend an additional cost for this.
• Even though there are only a few travel insurance providers that cover business travel, the Post Office’s policy will provide coverage for business travel that can greatly help professionals abroad. This policy will provide coverage for emergency couriers, employee replacement, equipment hire, computer equipment, and business money. This is only optional.
• Not all optional cover types can be added to every policy type. Only the Cruise cover is applicable for the Premier and Premier Plus policies. Meanwhile, the Golf and Business cover is only applicable to Standard, Premier, and Premier Plus.
• Various holiday activities and sports will be covered by the Post Office under the Standard policy. However, riskier activities like sailing and jet skiing won’t be covered for any personal accident claims.

Are there any special policy rules for pregnant women who travel?

There are certain limitations for pregnant women who want to travel.

In line with the Complications of Pregnancy and Childbirth policy, coverage for pregnant women will only include the following:

• Ectopic pregnancy
• Emergency Caesarean sections and medically necessary termination
• Gestational hypertension
• Hydatidiform mole
• Hyperemesis gravidarum
• Placental abruption
• Placenta praevia
• Pre-eclampsia
• Postpartum hemorrhage
• Retained placenta membrane
• Stillbirths and miscarriage
• Premature births more than 8 weeks before the expected delivery date

Will the policy provide cover during a war or terrorist act?

Unfortunately, you won’t be covered for any terrorist act that doesn’t involve the use of chemical agents and nuclear weapons.

How many people are included in a family?

A family can either consist of a couple or a group consisting of up to 8 travelers.

It can also include a person with his/her partner, dependent children, and dependent grandchildren below 18 years of age. Keep in mind that you will have to pay the appropriate premium for this.

Wrapping Things Up

Post Office is one of the leading health insurance companies in the UK. With their wide range of travel insurance policies, you will be able to enjoy peace of mind as you go traveling into other countries.

The best part is, the policies offered by the Post Office are one of the most affordable options currently on the market.

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How to Use Travel Insurance to Cancel a Flight

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Table of Contents

Basic process for travel insurance flight cancellation

Additional tips for travel insurance flight cancellation, if you need to cancel a flight with travel insurance.

Travel insurance can reimburse you for the nonrefundable portion of your flight expenses when you have to cancel a trip due to serious illness, a death in the immediate family, natural disaster or other reason specifically covered by your policy. But to make sure your claim is processed, you need to cancel your flight and file your claim the right way.

If you’ve been wondering how to cancel a flight with travel insurance — here's what you need to do.

The steps necessary to cancel a flight with travel insurance vary by travel insurance company, but many have the same basic process for submitting a claim.

1. Cancel your flight with the airline

Contact the airline to cancel your flight. For most airlines, this can be done online, through its app or by calling customer service. The airline isn't concerned about whether or not you have travel insurance protections.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

2. Determine the amount of your claim

When you cancel a plane ticket, you may be entitled to a refund of some or all of your ticket price. Travel insurance reimburses you for the nonrefundable portions of your affected travel plans; your claim amount is the price of your nonrefundable travel plans minus refunds that you have received, up to your eligible limits.

3. Start your claim

Claims can be started online or over the telephone with most travel insurance providers. Some allow you to submit your claim through their mobile app. To get started, have your policy information and travel details handy.

» Learn more: The majority of Americans plan to travel in 2022

4. Review the claim documentation checklist

Travel insurance companies often provide a checklist of documents you’ll need to process your claim. Gather all of the documents required by the insurance company, even if you don't understand why it is asking for them.

5. Submit your supporting documents

Once you have the documents, submit them to the travel insurance company for its review. It's best to submit all of the information at once, rather than piecemeal, so that the claims adjuster can quickly make a decision.

6. Respond to additional requests right away

If the insurance company requests additional documents or information, respond as quickly as possible. If too much time passes, your claim could be denied.

» Learn more: The best credit cards for travel insurance benefits

Here are tips for dealing with a trip cancellation to make the process as smooth as possible.

Determine if you're canceling for a covered reason. A common question travelers have when they need to cancel a trip is: Can I cancel my flight with travel insurance? Depending on your policy, the answer may be yes. With many trip insurance policies, you can expect to get reimbursed only if you cancel for a covered reason, like serious illness, terrorist attack or death in the immediate family. Review your policy to determine what reasons are eligible for coverage.

Document everything and save all receipts. Save all of your receipts, emails and other items related to the trip. Keep a journal of all communications with the airlines, your doctor (if applicable), the insurance agency and anyone else related to your claim. Consider scanning and backing up your documents in case they are lost.

Call your doctor if you’re sick. You may not be feeling well, but can you prove you are sick enough that a reasonable person would need to cancel the flight? A doctor’s advice that you cancel your trip can help prove that your travel insurance claim is valid.

Contact your travel insurance company right away. You should start your travel insurance claim as quickly as possible. If you don't submit your claim and supporting documentation within the required timeframe, your claim will be denied.

Consider rescheduling your flight. After the pandemic struck, many airlines dropped the fees for changing flights . If you are planning to make this trip in the near future, contact the airline to ask about rescheduling your flight. This could be quicker and easier than trying to get reimbursed through insurance.

Remember that travel companions might be covered, too. Review your travel policy to see if it covers travel companions as well.

Buy the right insurance coverage from the get-go. The most flexible types of plans are Cancel For Any Reason, or CFAR plans; you can avoid a lot of phone calls and proof-of-coverage demands by purchasing CFAR policies.

Travel insurance offers protection in case you need to cancel a flight. Follow the steps carefully and document everything to prevent the insurance company from denying your claim.

Before canceling, discuss your situation with the airline to see if you can cancel or reschedule your flight without incurring a fee. This may be quicker and easier than submitting a claim through your travel insurance provider.

To file a trip cancellation claim on travel insurance, contact your insurance provider online, through its app or by phone. They will provide detailed instructions on how to submit your claim, including what documentation they'll need based on your reason for filing a claim.

In many cases, yes, you can cancel your flight and be reimbursed if you have an eligible reason for canceling. You may not cancel the flight because you've changed your mind. You must have a valid reason that is detailed in your travel insurance policy.

Travel insurance reimburses the cost of nonrefundable travel plans if you need to cancel your flight for a covered reason. To receive reimbursement, you must file a claim and submit supporting documentation that validates your eligibility to receive reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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You can purchase insurance coverage for your mailpieces for up to $5,000 in indemnity to protect against loss or damage. Insurance fees are based on the item’s declared value. There are limitations for insuring some products and certain items.

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Priority Mail Express and Priority Mail domestic shipments must have an applicable USPS Tracking ® barcode to qualify for included insurance. Priority Mail insurance is not included when you purchase it along with certain extra services.

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Keep your postmarked mailing receipt and proof of value of your shipment in case you need to file a claim. When your mail item is lost, you should file a claim no later than 60 days from the date of mailing. If your item is damaged or missing contents, you should file a claim immediately but not later than 60 days from the date of mailing.

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USPS Ground Advantage ™ service includes up to $100 insurance in the price. For more valuable shipments, additional coverage is usually available.

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Usps tracking ®.

Provides tracking updates as an item travels to its destination, including the date and time of delivery or attempted delivery.

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Prove you sent it. See when it was delivered or that a delivery attempt was made, and get the signature of the person who accepts the mailing when combined with Return Receipt.

• Purchase at your Post Office.
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• Combine with Return Receipt to get an electronic or physical delivery record showing the recipient’s signature.

Return Receipt

Get an electronic or hardcopy delivery record showing the recipient’s signature.

• Purchase at a Post Office depending on the mail class.
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Show that you sent the item when you say you did. This official record shows the date your mail was presented to USPS for mailing.

• Only available at your Post Office.
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• Use PS Form 3817 or PS Form 3877 only.

$2.00 Form 3817 (20 KB)

Signature Confirmation ™

Find out information about the date and time an item was delivered or when a delivery attempt was made. Add security by requiring a signature. USPS keeps a delivery record, which you may request via email, fax, or mail.

• Purchase online or at your Post Office depending on the mail class.
• Limited availability to APO/FPO/DPO locations and certain Freely Associated States.
• Use with any service except USPS Marketing Mail ® and Adult Signature Services.
• Before delivery, the recipient must show an acceptable primary ID with a clear photo.
• $4.15 at a Post Office
• $3.50 paid online

USPS Tracking Plus ®

Purchase extended tracking history for your item and receive a USPS Tracking Plus Statement via email upon request. Get access for up to 10 years.

• Purchase online through USPS Tracking ® .
• Available for: Priority Mail Express ® , Priority Mail ® , USPS Ground Advantage ™ , Parcel Select ® Non-presort, Library Mail, Bound Printed Matter, Media Mail ® , First-Class Mail ® (letters and flats)*, USPS Marketing Mail ® parcels*, and USPS Marketing Mail Nonprofit parcels*

*With purchase of a trackable extra service

Price starts at $0.99

Valuable Items

Registered mail.

Get maximum security for your valuable items. Registered Mail ® items can be insured for up to $50,000 at your Post Office ™ location.

• Purchase at your Post Office or through your Rural Carrier.
• Regardless of how you purchased the service, present Registered Mail items for mailing to a Postal employee.
• Receive a mailing receipt, and upon request, electronic verification that an article was delivered or that a delivery attempt was made.

Price starts at $16.80

Hold For Pickup

Customers can pick up valuable and perishable merchandise at a designated Post Office.

• USPS will hold packages for up to 15 days, depending on the service selected (5 days for Priority Mail Express ® ).
• Customer is notified by email that a package is available for pickup.
• The addressee must show an acceptable primary ID with a clear photo.

Signature Services

Restricted delivery.

Specify the person who can sign for and receive your item. Must be purchased in combination with another extra service as follows: Certified Mail, Collect on Delivery (COD), Insured Mail (over $500), Registered Mail, or Signature Confirmation.

• USPS may request a primary ID with a clear photo for the addressee or the person authorized to sign for and receive your item.
• Certified Mail Restricted Delivery $11.65
• COD Restricted Delivery $6.90
• Insured Mail Restricted Delivery $6.90
• Registered Mail Restricted Delivery $6.90
• Signature Confirmation Restricted Delivery $10.40 (electronic) / $11.05 (retail)

Adult Signature Required

This service requires the signature of an adult age 21 or over at the recipient’s address. You’ll get delivery information, as well as the recipient’s signature and name.

• Add this service to your qualifying online label purchase.
• Not available for purchase at Post Office locations.

See Acceptable IDs & Restrictions Adult Signature Required Details

Adult Signature Restricted Delivery

With this service, your item is delivered only after the addressee or their authorized agent verifies their identity, proves that they’re 21 years of age or older, and signs for it.

See Acceptable IDs & Restrictions Adult Signature Restricted Delivery Details

Collect on Delivery (COD)

Let your customers pay for merchandise and shipping when they receive the package. You also get insurance coverage up to $1,000 based on amount to be collected or amount of insurance coverage desired, whichever is higher.

• Purchase at a Post Office, or through your Rural Carrier, depending on the mail class. Present COD for mailing to a Postal employee.
• COD service provides the mailer with a mailing receipt.
• Not available for international shipments, APO/FPO/DPO locations, and certain Freely Associated States.
• The recipient may pay the COD charges via cash, personal check, or money order payable to the mailer (accepted by the USPS employee after the recipient presents an acceptable primary ID with a clear photo).

Price starts at $10.80

Other Services

Usps label delivery service.

Request USPS Label Delivery service to get physical outbound labels delivered for a fee. Businesses can also request physical labels for their customers.

• Available through enhanced Click-N-Ship ® service to USPS.com personal and business account holders.
• Also, available to business account holders through USPS Web Tools ® APIs .
• Available for Priority Mail Express ® , Priority Mail ® , and USPS Ground Advantage ™ services. For businesses, Priority Mail Express Return, Priority Mail Return ® , USPS Ground Advantage Return, Parcel Select ® , and Parcel Return services are also available.

$1.25 (per label)

Compare Add-On Services

Use the below chart to see whether an add-on is already included in the price of your chosen mail/shipping service or if it's available for a fee.

1. Insurance coverage is provided against lost, damage, or missing contents and is limited to a maximum liability of $100 when the pieces bear an Intelligent Mail package barcode (IMpb) or USPS retail tracking barcode and the mailer pays retail or commercial prices. For more details, see the Domestic Mail Manual Section 503.4 . Back ^ 2. Form 3818 by mail only. Back ^ 3. When purchased at the time of mailing with Certified Mail, COD, insurance (for more than $200), or Registered Mail. Restrictions apply. Back ^ 4. Available with USPS Marketing Mail packages when bulk insurance (for more than $200) is purchased at the time of mailing. Back ^ 5. When purchased at the time of mailing with COD or insurance (for more than $200). Back ^

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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• Flight delays and compensation

Most of the time, getting a flight is a hassle-free event. If you only take hand luggage, have your boarding pass saved to your phone and everything’s running to plan then you can breeze through security and hop on your flight with little fuss.

It’s the times when things don’t go as they should that can cause stress and anxiety. But they needn’t. If you know what your rights are and what steps to take, you can be ahead of the game when it comes to flight delay and cancellation.

Posted: 22/8/2022 | By Amanda Duffy

We’ll look at what compensation you might be entitled to, whom to approach and when, the legal protections you have, and how to make sure you’re as comfortable as possible in the airport.

Remember: being friendly and remaining calm can help others relax in a stressful situation and give airline staff an easier job in a high-pressure environment. Always bring a pen and paper with you.

Getting flight delay compensation

There are some situations where you are automatically entitled to various forms of compensation if your flight is delayed. 

The rules on getting compensation for flights to or from EU countries or operated by an EU-based airline haven’t changed since the end of the UK’s Brexit transition period. 

These rules have now been written into UK law and apply if you are: 

• Departing from the UK
• Arriving in the UK with either a UK or EU airline
• Arriving in an EU country with a UK airline

The only difference is that if you claim for delay under UK law any payment you receive will now be in pounds rather than euros.

If you fly between EU countries or on an EU-regulated flight that’s not linked to the UK, you can still claim flight delay compensation under regulation EU261. You don’t have to be an EU citizen.

When can’t you claim for compensation?

There are some caveats that come with these rules. To be entitled to compensation, the delay has to be the fault of your airline rather than due to events beyond the airline’s control.

There’s no compensation available in ‘extraordinary circumstances’ such as bad weather, political unrest, security or safety issues, technical problems caused by ‘out of the ordinary’ events (such as a manufacturing defect), or air traffic management decisions (such as grounding flights due to volcanic ash clouds).

There’s also no compensation for industrial action by air traffic controllers, airport staff or ground handlers, as they’re beyond the airline’s control. However, you may be able to claim for strikes by the airline’s own crew and staff, as their action may be deemed within the carrier’s control.

Protect what matters when you go with good travel insurance

How much compensation can you claim.

Here’s how much compensation you could be owed for different lengths of flight and delay under UK law:

If your flight is cancelled:

Should your flight be cancelled then you may be entitled to either a full refund of the price of the flight (as well as any other flights as part of the same booking, such as onward and return flights) or a replacement flight.

If delay or cancellation forces you to stay at the airport overnight, then the airline should book and cover the cost of your accommodation and any transport to and from it. If you have to book this yourself, make sure it’s reasonably priced.

Compensation for knock-on effects

A delayed or cancelled flight doesn’t just mean you’re later getting in the air. It can also mean that you miss appointments or things like transfers at the other end.

If this is the case, you may be entitled to compensation. Keep all of your receipts from expenses that you have to make out of your own pocket as well as booking confirmations from anything you may want to claim for later.

How to make a claim

So you’ve been delayed for long enough to be entitled to compensation. What do you do next?

Your first port of call should be your airline. Within the UK and EU, they have a legal obligation to provide compensation if the delay or cancellation was their fault. Their customer services details should be easy to find, but if you’re in the airport then perhaps the fastest way to find the right number or email address to contact is via a representative you can talk to in person. 

If your airline is uncooperative or dispute your right to compensation then you can contact the (known as  Civil Aviation Authority (CAA) . They are only able to help your dispute if the airline you’re complaining about doesn’t have an existing alternative method of resolution (known as  ‘ADR’ ).

In the event that you booked using a credit card and other methods of dispute resolution have failed, you can ask your credit card provider to provide a refund. This is known as a dispute under section 75 of the Consumer Credit Act and your purchase needs to be worth more than £100 (but less than £30,000) to qualify. 

If all else fails, you may be able to make a claim on your travel insurance. They may expect you to have exhausted all other options before they will consider a claim, so be sure to gather evidence of the efforts you have made.

Flight strike delay

Strikes at airports can cause severe delays and cancellations. They may not only affect your airport, but those sending and receiving flights to and from it.

If this happens, you may be wondering what you can do to claim compensation. We’ll explain what to do if a strike affects your flight.

By preparing for delays you can make the best of a bad situation. It won’t remove all of the frustration, but at least you’ll be able to start your trip on a more positive note.

Follow your airline on Twitter

Twitter is often the first place airlines and airports will post news about strike delays.

Speak to your airline

As your flight is with your airline rather than the airport more generally, they should be your first port of call to discover how a strike might affect you personally.

They might be able to give you more detailed information on the re-allocation of flights, and if you have any extenuating circumstances for needing to be near the front of the queue then it’s important to make these known.

For instance, if you are travelling for an important personal, family or business reason rather than your holiday, or if you have children, then you should inform your airline post-haste.

If possible, take a name of the person you’ve spoken to and a reference number so that you have information that can help track your conversations further down the line.

Don't leave it late to get to the aiport

If strike action risks affecting your flight, it might be tempting to "wait it out" at home before travelling to the airport so you aren't waiting around longer than you need to. Situations can change quickly though so, regardless of strikes, you should still aim to arrive at the airport based on your original planned check-in and departure times.

If you buy travel insurance before any announcement about strikes is made publicly, the policy may provide cover against any delays the action causes or even abandonment of your trip. If you buy cover after strikes are announced, though, you won't be able to claim.

Prepare for delays

How a strike affects flights can be unpredictable, so it doesn’t hurt to plan for a long delay. Think about things you might need to help pass the time:

If you’re travelling with children, then the list of necessities may be much longer. Ensure that they have everything they need, from their favourite snacks to their books and TV shows. Bring the necessary bits and pieces to allow them to have a nap in comfort. We’ve put together a guide to flying with children to help you plan.

• Data bundle to help download plenty of music and viewing material
• Portable battery pack to charge devices
• Charging cables in case you can find a spare socket
• Warm clothes in layers to help cool down if it becomes too hot
• Lots of drinking water to stay hydrated
• Food to save money
• Basic medical kit in case of minor ailments like headaches
• Pen and paper to take notes of things in case your devices die
• Pillow and something that can be used as a cover
• Ear plugs and an eye mask
• Portable wash bag – toothbrush/paste, wet wipes, deodorant (in sizes you can take through security)

Think about getting lounge access

No matter how long you’re stuck in an airport for, the stay could be far more comfortable if you’re able to pass it in an airport lounge. Not only can this mitigate the cost of food and drink, provide more power outlets, offer free WiFi, give more comfortable chairs and increase your chances of getting a nap in, but if you fly often enough or have the right insurance in place, it needn’t cost you the earth either.

Some  travel insurance  policies include  flight delay assistance , which gives you complimentary lounge access during delays of two or more hours. You might be able to get lounge access via your credit card provider as well, or if you’ve spent enough money with a particular airline. Ask before you arrive at the airport to make sure.

Stay calm and reasonable

With so many people all in the same, normally stressful situation, it is to everybody’s benefit if you can keep upbeat. Not only will airline staff be grateful for this but it could improve your mood too.

Make yourself comfortable

Airports have thermal laws unto themselves, so dress in a way that allows you to both warm up and cool down. Do this by wearing a few thin layers. Loose-fitting clothes are more comfortable and can help you feel relaxed. Bring an extra top layer that can double up as a pillow.

Take eye masks and ear plugs. If you know that you’ve got a couple of hours to wait and can catch forty winks safely, you’ll feel more refreshed later.

Stay hydrated and keep active

Being sedentary for too long and not taking enough fluid can lead to headaches and other aches and pains, not to mention make you much sleepier. To keep the blood flowing, move around and stretch. And drink plenty of water.

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