Golf Travel Insurance: Everything You Need to Know

CEO Tam DT
Booking claims Before you embark on your golfing vacation, it's essential to familiarize yourself with the claims process for your travel insurance. While we hope your trip goes smoothly, unexpected events can occur. In such...

Booking claims

Before you embark on your golfing vacation, it's essential to familiarize yourself with the claims process for your travel insurance. While we hope your trip goes smoothly, unexpected events can occur. In such cases, it's crucial to know how to proceed to protect yourself financially.

Before making a claim, we recommend reaching out to your travel provider or tour operator first. They may be able to assist you by rescheduling your trip or providing a refund. If they are unable to resolve your specific request, you can then proceed with filing a claim on your policy.

Contact Us to Make a Claim

We understand that navigating the claims process can be overwhelming, but our dedicated team is here to guide you every step of the way. When contacting us, please ensure that you have your policy document and any other relevant documentation ready.

Once you reach out, our claims team will provide detailed instructions on how to make a claim. They will also offer an indication of the coverage you can expect for your specific claim.

What You Need to Do to Make a Claim

Do you find yourself in a situation where you need to cancel your holiday? The steps you should take depend on the reason for cancellation.

  • Medical reasons: If your cancellation is due to medical reasons, we advise you to consult with a doctor first. This consultation can be conducted either over the phone or in person at the doctor's practice. Once you have received confirmation from your doctor regarding the medical necessity of canceling, please inform our claims team immediately.

  • Other reasons: In case you need to cancel your holiday for reasons other than medical, please contact our claims team as soon as you become aware of the situation. It's important to note that cancellation charges typically increase the closer you get to your departure date. To ensure a smooth claims process, our team will guide you on the necessary information to provide and inform you of the coverage available based on your circumstances.

If you need to cut your holiday short, the steps to follow will depend on the circumstances surrounding your decision.

  • Medical condition: If you need to cut your trip short due to a medical condition, please contact the Emergency Medical Assistance Service immediately at +44 (0)147 335 6274.

  • Illness, injury, or death of a close relative: In such unfortunate situations, we require confirmation of the relevant individual's condition from their doctor. We will also inquire about the stability of their health at the time of booking your holiday and purchasing your travel insurance. Once you have returned home, contact our claims team, and they will guide you on the necessary information to provide based on your circumstances.

If you have experienced the loss or theft of your belongings or baggage during your trip, it's essential to take the following steps:

  • Theft: In the unfortunate event of a theft, make sure to report the incident to the local police and obtain a written report from them. We will require this written police report when you make your claim.

  • Lost items: If you have misplaced an item while on holiday, consider retracing your steps and checking with any relevant parties or places where the item might have been handed in. Report the loss and obtain a written record, as this will assist with your claim.

  • Luggage issues: In the case of damage or loss to your checked-in luggage, report the incident to the airline and obtain a Property Irregularity Report (PIR). It's advisable to do this as soon as possible, preferably while at the airport or immediately after discovering the problem. If you intend to claim directly from the airline, they may require written follow-up within 7 days.

  • Delayed baggage: If your baggage is delayed for more than 12 hours on your outbound flight, we provide coverage for emergency replacement items such as clothes, toiletries, and medication. Please retain the receipts for all your purchases, as we require them for the claim.

If you have lost your passport or essential travel documents, act promptly by following these steps:

  • Report the loss or theft to the police or consulate as soon as possible, providing proof of the incident.

  • Obtain replacement or temporary travel documents without delay to ensure a seamless continuation of your travel plans.

If you have had an accident or fallen ill during your travels, our Emergency Medical Assistance Service is here to help:

  • Contact our Emergency Medical Assistance Service as soon as possible.

  • For outpatient treatment, it's advisable to consult with them before undergoing any procedures to receive guidance on the best place for your care.

  • Keep all receipts, invoices, and reports related to your treatment, as these will be essential for your claim.

For travel delays, enforced stays, travel disruptions, or missed departures, please ensure you:

  • Obtain confirmation of the reason and duration of the disruption from the service provider. We cannot consider your claim without this documentation.

  • Keep all receipts if you are making a claim for additional costs rather than a fixed benefit.

Rest assured that our claims team is available to provide support and additional information throughout the claims process. We understand that each claim is unique, and we aim to handle them with efficiency and empathy.

The Information You Need to Make a Claim

In addition to your booking invoice, which should display the dates of your travels, you may need additional documentation depending on the nature of your claim. Here is a breakdown of the requirements for specific claims:

Cancellation claims:

  • Original cancellation invoices from the tour operator and travel agent.

  • Proof of purchase and any relevant refund confirmations for other pre-paid trip costs.

  • Documentation substantiating the reason for cancellation when it's not medical (for medical reasons, we will provide a medical certificate for completion).

Cutting short a trip:

  • Documentary evidence explaining the reason for early termination.

  • Evidence of additional expenses incurred when returning home prematurely.

Emergency medical expenses:

  • Original bills for all expenses being claimed.

  • Medical report confirming the diagnosis of your condition. We may send you a medical certificate for your doctor to complete.

Baggage loss or theft:

  • Details of your household insurance.

  • Property Irregularity Report (PIR) if the loss, damage, or delay was under the care of an airline during transit. Alternatively, provide a police report for theft or a third-party report for loss.

  • Proof of ownership, such as an invoice, receipt, bank statement, or photo.

  • Repair report, if applicable, indicating whether the item can be repaired and the cost involved.

Delayed baggage:

  • Household insurance details.

  • Property Irregularity Report (PIR) or police report if the loss, damage, or delay occurred while in the airline's care during transit.

  • Proof of ownership, such as an invoice, receipt, bank statement, or photo.

  • A letter from the airline or another form of proof indicating the date and time your baggage was returned.

  • Receipts for emergency replacement purchases.

Passport loss or theft:

  • Household insurance details.

  • Property Irregularity Report (PIR) or police report if the loss, damage, or delay occurred while in the airline's care during transit.

  • Proof of ownership, such as a receipt.

  • Receipt for obtaining an emergency passport.

  • Evidence of travel and accommodation costs incurred while obtaining the emergency passport.

Delayed arrival or travel disruption:

  • Evidence of the flight number, scheduled departure date and time, and actual departure date and time.

  • Proof indicating the reason for the delay.

Missed departure or travel disruption:

  • Evidence explaining the cause of the missed departure, such as a breakdown or strike affecting public transportation.

  • Original receipts documenting additional transport and accommodation expenses.

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