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Travel insurance claim rejected? Don't let it ruin the trip twice.

A cancelled trip, an emergency hospitalisation abroad, lost baggage: travel insurance is meant to be the safety net, until the insurer denies the claim over fine print few travellers ever noticed. ClaimsKart reviews these rejections and fights for the reimbursement you're entitled to.

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A plain navy passport under a floating glass aeroplane, with an orange luggage tag

Travel insurance · Hospitalisation abroad

₹4,75,000

Status: reversed

  1. Rejection received

    “Treatment linked to an existing illness”

    19 Aug

  2. AI-MIL review

    Hospital notes show a new diagnosis

    21 Aug

  3. Grievance filed with insurer

    With translated hospital records

    26 Aug

  4. Insurance Ombudsman

    Hearing after 30 days unresolved

    30 Sep

  5. Settlement credited

    Paid in full to the policyholder

    04 Nov

Illustrative example, not a real case.

Why travel claims get rejected

These are the reasons insurers give most often. Many don't survive a careful reading of the policy.

  • Pre-existing medical condition exclusions
  • "Reasonable cause" disputes over trip cancellation
  • Missing or late documents from foreign hospitals or airlines
  • Baggage loss disputed by the airline or insurer
  • Claim made after the permitted window
  • Adventure-activity or other exclusion clauses

How ClaimsKart helps

  • Cross-border documents

    We turn foreign medical bills, police reports and airline records into a claim-ready file.

  • Exclusion clause review

    We check whether the exclusion the insurer cited really applies to what happened.

  • Appeal and escalation

    From the insurer-level appeal to IRDAI and the Ombudsman.

If the insurer won't move, we escalate.

Your claim can go up through every redressal forum in India. We tell you at each step whether going further is worth it.

+91 70907 00771WhatsApp usMon–Sat, 9 am – 7 pm IST

  1. 01Insurer grievance cell

    A formal written grievance, within IRDAI-mandated timelines.

  2. 02Legal notice to the insurer

    A legally drafted notice citing the relevant clauses and IRDAI guidelines.

  3. 03IRDAI Bima Bharosa

    A complaint on the regulator's grievance system.

  4. 04Insurance Ombudsman

    If the grievance is unresolved after 30 days, with full hearing representation.

  5. 05Jurisdictional courts

    Filing and representation for local disputes.

  6. 06District Consumer Commission

    Filing and representation for local consumer disputes.

  7. 07State Consumer Commission

    For higher-value claims and appeals.

  8. 08National Commission (NCDRC)

    For complex, high-value, national-level disputes.

  9. 09Supreme Court of India

    With Advocates-on-Record and Senior Counsel, where a matter needs the highest court.

Other claims we handle

Don't let a wrongful rejection cost you what's yours.

Denied outright, delayed for months or settled for far less than you're owed: we'll tell you where you stand, free of charge.

Get my free assessment+91 70907 00771