We all buy travel insurance, hoping we’ll never need it. But when a lost passport fills the trip with anxiety, a medical emergency wipes out your allowance, and a flight delay forces you to spend more vacation days, it’s good to know you can at least make up for the unplanned costs. This article guides you through the claim process and helps you ensure you get your money back. 

If something unexpected happens, read your policy first. Some situations, such as medical treatment, require approval from the insurance company before any action is taken. Familiarize yourself with your obligations as the insured person under the specific travel insurance you obtained from Qatar. For instance, with QIC, the insured person has the following responsibilities:

• Not doing anything that would cause an unnecessary increase in costs

• Notifying the insurer of the situation immediately

• Allowing the insurer to carry out a reasonable investigation into the events

In the event of an unexpected situation, save each receipt and ask the responsible institution (hospital, Embassy, or flight carrier) to provide as much proof of the circumstances as possible. 

Medical treatment abroad includes, but isn’t limited to:

For a full list, check out the outbound travel terms and conditions. 

To file a claim for medical treatment abroad, you need to provide:

• Qatar ID

• Travel booking

• Invoices, bills, proof of medical treatment

• Policy number

Here are step-by-step instructions on what to do in case of a medical emergency while traveling:

1. In case of an inpatient emergency, contact NEURON via +9714 382 3700 or +9714 317 8500, and inform them about the emergency 

2. For all other situations, contact the emergency number of the country you’re in and follow their instructions on seeking treatment

3. Pay for hospital services and keep all the receipts and reports

4. Download and fill out the QIC travel insurance claim form 

5. Send the form and the required documents, as well as the policy number, to personal.claims@qic.com.qa as soon as possible 

6. Wait for QIC to get back to you

You have the obligation to file your claim as soon as possible — claims won’t be admitted after 30 days.

While it’s never pleasant to lose the most important travel document, it’s comforting to know that QIC travel insurance provides coverage in these events. The coverage extends to expenses incurred due to the loss of a passport, including accommodation and travel costs. 

Documents you need for filing the lost passport claim:

• Qatar ID

• Travel booking

• Proof of lost passport from the Embassy

• Receipts of all expenses that occurred as a result

• Policy number

Here are step-by-step instructions on what you should do if you lose your travel document:

1. Go to the nearest Embassy and submit a report for a lost passport

2. Obtain a written report from the Embassy that confirms the situation

3. Keep the receipt of all the costs that occurred as a result, including additional accommodation and travel expenses

4. Download and fill out the QIC travel insurance claim form 

5. Send the form and the required documents, including the Embassy report and additional expenses that occurred, as well as the policy number, to personal.claims@qic.com.qa as soon as possible 

6. Wait for QIC to get back to you

Keep in mind that passport loss coverage is limited to USD 500. Moreover, the insured person must pay the USD 50 excess. The excess is the agreed amount the insured person pays towards a claim and is deducted from the total refund amount. 

If your trip was delayed by more than 2 hours, you may be able to apply for reimbursement of costs incurred. There are some conditions, though. You won’t be able to file a claim in case:

• An alternative transportation has been offered within two hours after the scheduled departure time

• The expenses are recoverable from the flight carrier 

To be reimbursed for lodging and meal expenses caused by delays, you should request a written confirmation from the carrier detailing the number of hours of delay and the reasons. You’ll submit this document with your claim. 

Documents you need for filing the trip delay claim:

• Qatar ID

• Travel booking

• Proof of the trip delay and the reasoning provided by the flight carrier

• Receipts for all expenses that occurred as a result

• Policy number

If you fulfill reimbursement conditions, you should: 

1. Ask the carrier to provide you with a written confirmation of the number of hours of delay and the reasons

2. Save all the meal and lodging receipts that occurred as a result of the delay

3. Download and fill out the QIC travel insurance claim form 

4. Send the form and proof along with the policy number to personal.claims@qic.com.qa as soon as possible

5. Wait for QIC to get back to you

Keep in mind that any insured person who files this claim has to pay the excess of USD 50. The excess is the agreed amount the insured person pays towards a claim and is deducted from the total refund amount.