This page outlines only the typical expectations regarding payment of claims. Every travel insurance company will have their own claims procedures which you will have to follow. You can find the information about payment of claims in the plan certificate.
The rules surrounding travel insurance claims vary from company to company, but in general, you will be expected to:
You’ll need to provide proof of loss (receipts, sworn statement, etc.) to the company within a certain number of days (typically 90) in order for a claim to be paid.
If you named a beneficiary on your enrollment when you applied for coverage, benefits such as those for Accidental Death and Dismemberment (AD&D) or Flight Accidents will be paid to that person if you die.
Otherwise, benefits will be paid according to the policy definitions. In many cases, this is simply to your estate or next of kin. Some policies, however, define a survivor list and will make payment to the first living person in order on the list.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.