Lost Luggage, Delayed Flights, and More: Navigating Non-Medical Claims in Visitor Insurance 

Navigating Non-Medical Claims in Visitor Insurance

Visitor insurance is a valuable safety net for international travelers, providing coverage for unexpected medical expenses while abroad. However, these policies often include coverage beyond medical emergencies, like trip-related benefits. Understanding these aspects of visitor insurance can help travelers navigate the complexities of filing non-medical claims and make the most of their coverage. 

Table of Contents: 

Understanding Non-Medical Coverage 

Non-medical coverage in visitor insurance typically includes protection against a range of travel-related incidents. While the specific coverage may vary between insurance providers and plans, it generally includes: 

Lost Baggage: Reimbursement for the cost of personal belongings, necessities, and essentials in the event of lost, stolen, or damaged luggage during the trip. 

Travel Delay: Compensation for reasonable accommodation and meals when the delay requires an unplanned overnight stay if you meet the conditions mentioned in the plan’s certificate. 

Trip Interruption: Coverage for one-way economy air or ground transportation ticket when trips get interrupted due to covered reasons as mentioned in the plan’s certificate. 

Personal Liability: Coverage up to the sum shown in the benefits and limits if the insured is legally liable for accidental bodily injury of a third party, accidental loss, or damage to a third party’s property, and accidental loss or damage to a related third party’s material property. 

Emergency Evacuation: Assistance and coverage for transportation expenses to the nearest safe location due to emergencies like natural disasters, wars, terrorisms, or political unrest. 

Terrorism– Coverage for medical expenses as per  the schedule of benefits for treatment of injuries and illnesses resulting from the act of terrorism. 

Common Non-Medical Claims 

Let us explore some of the most common non-medical claims that travelers may encounter when using visitor insurance: 

1. Lost Luggage 

Scenario: Imagine arriving at your destination only to discover that your luggage is missing or damaged. This situation can be highly inconvenient, but visitor insurance can provide relief. 

Coverage: Visitor insurance typically covers the cost of personal belongings, including clothing and essentials, in the event of lost, stolen, or damaged luggage, not exceeding $50 or $75 on any one item if they meet certain conditions of the purchased plan. Coverage can vary per the policy chosen. Travelers are usually required to report the incident to local authorities and the airline. 

2. Travel delay 

Scenario: Flight delays and cancellations can disrupt travel plans and lead to additional expenses. Whether it is due to severe weather or airline issues, visitor insurance can help mitigate the impact. 

Coverage: Visitor insurance may provide compensation for expenses incurred due to flight delays or cancellations. This coverage can include accommodation and meals if the delay requires an unplanned overnight stay. The delay must be 12 hours or more due as per the conditions mentioned in the policy. Check your policy benefits to understand how much can be covered.  

3. Trip Interruption 

Scenario: Life is unpredictable, and sometimes travelers cut short their trips due to unforeseen circumstances, such as a family member’s illness or a natural disaster. 

Coverage: Visitor insurance typically covers the cost of an economy one-way air or ground transportation ticket to the terminal serving the area of your principal residence, or from the area where the insured was hospitalized following an Emergency Medical Evacuation to the area where the insured were initially evacuated from. 

4. Personal Liability 

Scenario: Accidents can happen anywhere, and travelers may find themselves in situations where they unintentionally cause injury to others or damage property. 

Coverage: Personal liability coverage in visitor insurance can provide protection against legal liability for accidental bodily injury or property damage caused to others during the trip. It covers legal expenses and compensation. Not all policies include this coverage. Review the brochure and the certificate for the plan you opt to understand what benefits are included. 

5. Emergency Evacuation 

Scenario: Travelers may face unexpected emergencies, such as medical crises, natural disasters, or political unrest, requiring immediate evacuation to a safer location or back home. 

Coverage: In medical evacuation, visitor insurance typically covers emergency air transportation to a suitable airport nearest to the hospital for treatment and emergency ground transportation from the destination airport to the hospital where the insured will receive treatment. In case of political evacuations, the plans cover the most economical transportation cost to transfer the insured to the nearest country of safety or to the home country. 

How to File Non-Medical Claims? 

Filing non-medical claims in visitor insurance requires following a specific process to ensure a smooth and successful outcome: 

  1. Notify the Insurer: Contact your insurance provider as soon as the incident occurs or as soon as you become aware of the need to make a claim. Most insurers have a helpline available 24/7. 
  1. Document the Incident: Collect evidence and documentation related to the incident. For example, if you are filing a lost luggage claim, obtain a report from the airline or local authorities detailing the loss or damage. 
  1. Complete Claim Forms: Your insurer will provide claim forms that you need to fill out accurately. Be thorough and provide all necessary information. 
  1. Submit Supporting Documents: Attach any required supporting documents, such as receipts, invoices, and photographs, to your claim forms. 
  1. Follow Up: Stay in communication with your insurer throughout the claims process. Inquire about the status of your claim and provide any additional information if requested. 


How long does it take to process non-medical claims in visitor insurance? 

The processing time for non-medical claims can vary depending on the insurer and the complexity of the claim. It is advisable to stay in communication with your insurer and provide all necessary documentation promptly to expedite the process. 

Can I purchase visitor insurance solely for non-medical coverage? 

Visitor insurance plans primarily focus on medical coverage, but they often include non-medical coverage too. It is advisable to choose a comprehensive plan that covers both medical and non-medical aspects to ensure comprehensive protection during your trip. 

Can I claim compensation for a trip interruption due to a non-medical reason? 

Yes, visitor insurance often includes trip interruption coverage for non-medical reasons. You may be reimbursed for prepaid trip expenses if you must interrupt your trip due to covered reasons like a family member’s illness, natural disaster, accidents, hijack/quarantine, terrorist incident, airport shutdown,  military duty, passport/visa theft, and more. Check the covered reasons for the policy you have bought or intend to buy. 

How do I file a non-medical claim for lost luggage? 

To file a lost luggage claim, notify your insurer immediately, obtain a report from the airline or local authorities documenting the loss, complete the required claim forms, and provide supporting documents like receipts and photographs of the lost items. 

Do all visitor insurance policies include non-medical coverage? 

No, not all visitor insurance policies include non-medical coverage. The inclusion and extent of non-medical coverage can vary between insurance providers and policies. It is essential to review the policy details to understand what is covered. 

Can I purchase visitor insurance with non-medical coverage for a one-way trip? 

It really depends on the plan you opt for. Visitor insurance plans are typically designed for  the entire duration of your trip. It may be challenging to find a visitor insurance plan with non-medical coverage for a one-way trip. Be sure to discuss your specific needs with insurance providers. 

What documentation do I need to provide when filing a trip interruption claim for non-medical reasons? 

When filing a trip interruption claim, you typically need to provide documentation such as original trip itinerary and invoice, new trip itinerary, proof of trip payment, proof showing the cancellation date, the amount forfeited, and the amount refunded proof of the event that canceled or interrupted the trip.  


Visitor insurance provides travelers with essential protection against unforeseen events, including non-medical incidents. Understanding the scope of non-medical coverage and how to file non-medical claims is crucial for making the most of your visitor insurance and ensuring a smooth claims process. By choosing the right visitor insurance plan and being prepared, you can travel with confidence, knowing you have a support to fall back when unexpected situations arise.