A passport is one of the most essential documents for any traveller. It not only serves as their identification in foreign countries but also as a means of getting back home. Thus, losing or having your passport stolen during the trip can be a horrifying experience. However, if your international travel insurance covers it, then you will not have to deal with the stress of losing your passport.
That is why it is crucial to understand what insurance covers for lost passports and how to make a claim under it.
What Is Loss of Passport Insurance?
The loss of passport insurance in travel insurance is a cover that provides financial and logistical support if your passport gets lost or stolen during the trip. The cover helps cover the cost of replacing your original passport and safeguards you from any inconvenience.
What Does Loss of Passport Insurance Cover?
The following benefits are covered under the Passport Loss Insurance.
Financial Reimbursement
The insurance provides financial reimbursement for the expenses associated with obtaining a new or replacement passport. This includes the application fees, expedited service fees and processing charges. The cover ensures that you do not have to bear the financial burden yourself.
Incidental Coverage
Several international travel insurance plans also provide coverage for incidental expenses due to a lost passport. This means that the insurance will cover the transportation cost to the Embassy and accommodation costs if you are left stranded.
Assistant Services
Loss of passport insurance also provides assistance services throughout the entire process of obtaining a replacement passport. This includes navigating the Embassy, legal procedures, application steps, and reporting a lost passport, among other tasks. This way, you will not have to worry about everything alone and can enjoy the rest of your trip.
How To Make a Claim Under Loss of Passport Insurance?
Loss of passport insurance provides all the necessary assistance; here is how to make a claim.
Connect With the Indian Embassy
If your passport is lost or stolen during an international trip, the first step should be to report it to the nearest Indian Embassy or consulate. The officials will guide you through the process of getting a replacement passport.
Inform the Embassy or Consulate officials as soon as possible to obtain the required assistance and fulfil all the necessary legal formalities.
File a Report With Local Police
After informing the Embassy/ Consulate, the next step is to file a complaint with the local police station where the passport was lost. Filing a complaint helps you get essential proof of loss, and the police report acts as evidence during the claim procedure.
Thus, it is advisable to be as thorough as possible with your complaint. Report every detail, including the date, time and place of the incident.
Connect With Insurance Company
The next step is to contact the insurer. Inform the insurance agent about the incident and provide them with all the necessary details. They will guide you through the claim procedure so that your claim can be initiated as soon as possible.
Submit the Documents
Carefully complete the claim form with details such as your policy number, personal information, and a description of your passport. Then, submit the form along with supporting documents, such as police complaints, identity proof, and any other required documents.
Temporary Passport Application
The final step is to apply for your temporary Indian passport. To obtain a temporary passport, you must visit your nearest Indian Embassy or Consulate with the assistance of an insurance provider.
The Embassy/Consulate issues temporary passports to Indian citizens who lose their passports during International trips. They provide the document immediately to Indians to return home or for further travel.
To obtain a replacement passport, you must provide proof of the lost passport, identification card, and any other documents as requested by the Embassy or Consulate.
Stay protected with TATA AIG Lost Passport Cover
Now you know the coverage benefits of travel insurance for passport insurance and how to make a claim under this cover. If you are planning your next international trip anytime soon, consider TATA AIG’s loss of passport insurance.
Their plans cover most of your problems in such situations. They provide reimbursement for the expenses incurred during the application process for a replacement passport. Moreover, they will assist you throughout the process of getting your passport with ease.
Therefore, to avoid inconvenience in the event of such an incident, ensure you obtain international travel insurance with lost passport coverage.