a travel claim

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Claims approved for payment within this system are designed to use electronic funds transfer (EFT) to your checking/savings account or VA debit card. If your EFT information is not on file with Veterans Health Administration (VHA) Financial Management System (FMS) your approved payment may be delayed until the information is provided to process your claim or adjustments are made to allow for temporary payment by check. If you currently receive other benefit payments by EFT from the Veterans Benefits Administration (VBA) your EFT information is not on file with our system unless you have provided it previously to your local VA Medical Center. You can confirm if your EFT information is on file by reviewing your Veteran profile screen. If it is missing please contact your local BT office to update it. They will provide you with the necessary signature forms to have it added.

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When entering claims, please identify the facility responsible for payment as the facility that provided your care or approved your care for care in the community. For example, if you submit a claim for care or services approved at a non-VA facility, you identify the care VA facility that authorized it as facility responsible for payment. In most situations this will be your preferred or home facility. If you receive care at a VA Community Based Outpatient Clinic (CBOC) this location will be available for selection as an associated facility of its larger parent VA Medical Center. You will see it when you select the location of your appointment.  

The Paperwork Reduction Act of 1995 requires VA to notify you that this information collection is in accordance with the clearance requirements of Section 3507 of this Act. We anticipate the time  expended by Individuals who must complete this form will average 10 minutes. This includes the time it will take to read instructions, gather the necessary facts and fill out the form. No person will be penalized for failing to furnish this information if it does not display a currently valid OMB control number. This information is collected under 38 CFR 70 and is intended to fulfill the need for Veterans and beneficiaries to claim Beneficiary Travel benefits and for VA to determine the individual’s eligibility for the benefit.

Privacy Act Information: VA is asking you to provide the information on this form under 38 U.S.C. Sections 111 to determine your eligibility for Beneficiary Travel benefits and will be used for that purpose. Information you supply may be verified through a computer-matching program. VA may disclose the information that you put on the form as permitted by law; possible disclosures include those described in the “routine use” identified in the VA systems of records 24VA19 Patient Medical Record-VA, published in the Federal Register in accordance with the Privacy Act of 1974. Providing the requested information is voluntary, but if any or all of the requested information is not provided, it may delay or result in denial of your request for benefits. Failure to furnish the information will not have any effect on any other benefits to which you may be entitled. If you provide VA your Social Security Number, VA will use it to administer your VA benefits. VA may also use this information to identify Veterans and persons claiming or receiving VA benefits and their records, and for other purposes authorized or required by law.

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How Do Travel Insurance Claims Work?

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Table of Contents

How travel insurance claims work

How to submit your travel insurance claim and get reimbursed, time limits for filing a claim, how long do claim submissions take, how to choose a travel insurance plan, if you need to file a claim from your travel insurer ....

Whether your flight has been canceled, your luggage is lost or you get sick or injured during your trip, travel insurance can protect you. But to get your benefits, you need to submit one or more travelers insurance claims, depending on your situation.

Here's how travel insurance claims work and what to watch out for when submitting your claim.

Travel insurance claims are the system through which a traveler submits documentation to their insurance provider for reimbursement of a covered expense. This reimbursement is not guaranteed; instead, it hinges on the approval of the claim from the insurance underwriter.

In general, the provider will need to verify the situation before remitting any reimbursements to travelers, and the level of coverage varies significantly. Insurance providers typically have very explicit, extensive requirements in order for claims to be confirmed and refunded.

Travel insurance 101 means knowing how travel insurance claims work. Hopefully, you’ll never need to file a claim, but it pays to know the following facts if the worst should happen.

» Learn more: What to know before buying travel insurance

You must qualify for a covered reason

Insurance companies are very explicit about the situations they will cover, and coverage details vary by company and the type of policy that you've purchased.

In general, the more expensive your policy, the more benefits the policy will offer. While some policies cover only medical emergencies, others cover trip cancellation and interruption , lost or stolen bags, and other losses.

Even though policies can be dense or boring to read, be sure you look at the details of yours so you know what types of situations you're covered for .

The details of your claim matter

The details about your reason for canceling are important, and the specifics will determine your eligibility. For example, you may not be feeling well, but are you sick enough that a doctor would suggest that you cancel your trip? There's a big difference between having a small cough and having pneumonia.

You may have to go through extra steps, like seeing a doctor, to prove your eligibility.

» Learn more: The best travel insurance companies

Reservations must be nonrefundable to qualify for cancellation benefits

When you’re traveling on miles and points, you can receive medical, trip delay and lost luggage benefits from a travel insurance policy you purchase. But if you want reimbursement for a canceled flight, travel insurance only covers nonrefundable expenses.

This prevents travelers from trying to "double-dip" and get a refund from both the airline and the travel insurance company.

Keep cancellation policies in mind before purchasing travel insurance. If you’re flying Southwest Airlines, which offers easy changes and refunds, and if your hotel has a 24-hour cancellation policy and you don’t have many activities booked in advance, you may not need travel insurance. The more flexible your plans, the less need you will have for travel insurance.

Claims should be submitted as soon as possible

Being proactive and timely with your claim ensures you won’t miss any deadlines that the travel insurance company may have. You don't want to go through the entire claims process only to find out that you missed the deadline by a few days. Instead, start your claim as soon as you can.

Organization is your friend

The travel insurance company will require documentation to support your claim, so you'll want to be organized as you collect the necessary records.

To stay organized with your documents, set up a folder in your email account for relevant messages, keep all paper receipts in an envelope and write down details of every conversation.

Many travelers digitize everything to make it easier to submit documents via email or an online portal. Your documentation should show that you have a valid claim that meets the insurance company requirements.

Time limits for filing a travelers insurance claim vary from company to company, so it is wise to refer to your specific policy to ensure you have a clear idea of the timeframe. Overall, most companies require claim submissions within 3 months of the incident.

For instance, according to insurance provider Seven Corners , "You must file your claim within 90 days of the incident, also known as the timely filing limit."

After you've submitted your claim — and assuming you have provided all of the required documentation and other elements — it can take up to two weeks for your reimbursement to be remitted.

Generally speaking, you should expect communication regarding your claim within that same timeframe. This could be to alert you of your claim's approval or to ask for additional evidence.

The more complex your travel insurance claim, the longer your approval and reimbursement process may take.

If your claim is approved, expect to receive a check or direct deposit of the amount owed.

Shop around if you’re looking to purchase a travel insurance plan. There are many online providers of travel insurance and the coverage amounts, limits, exclusions and other offerings can vary widely from provider to provider, not to mention policy to policy — even within the same company.

A comparison tool, like SquareMouth , can help you filter results based on what is important to you. You can filter your search to find policies that cover trip cancellation, trip interruption, baggage, medical treatment or other needs. You can then compare the cost of one policy against others based on your preferences and budget.

Travel insurance offers valuable protection in case something goes wrong with your travel plans. Your policy benefits will vary based on the level of coverage purchased and which company is offering the protection. When evaluating travel insurance providers, learn about their claims process should the worst-case scenario come true.

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How To Get Reimbursement For A Travel Insurance Claim

Updated: Jun 1, 2023, 1:17pm

Fact Checked

Table of Contents

How to properly submit a travel insurance claim, documentation for travel insurance claims, what are the time limits to file a travel insurance claim, why travel insurance claims get delayed, use the travel insurance free look period, what to expect after you file a travel insurance claim, how to get reimbursement for a travel insurance claim faqs.

Travelling can be a great way to unwind and relax—but a trip can also go wrong. While travel insurance can’t prevent problems from arising, it can help recoup at least some of your money if the unexpected derails your trip. That’s where the claim process comes in.

If you encounter these unexpected issues, you can file a claim with your travel insurance company for reimbursement, as long as your problem is covered by the policy.

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To increase your chances of a prompt travel insurance reimbursement, take these steps to make the claims process smoother.

Review Your Travel Insurance Policy Terms

Travel insurance can’t cover every potential problem. Take the time to understand what your policy covers and what it doesn’t, so you know exactly how the policy will help you. That means you want to read the benefits, exclusions and coverage limits in your policy to make sure you’re eligible for a claim and be sure to check for any required waiting times for delays.

For example, if you buy a comprehensive travel insurance policy that includes a trip delay benefit, and on the day of your trip, you get to the airport and learn that your flight is delayed, this may trigger coverage under the policy as long as the delay is after the specified time outlined in your policy.

Check your policy for the required delay time to get reimbursement. For example, this could be six, 10 or 12 hours, depending on the travel insurance plan. Here, too, check your policy for the cap on reimbursable travel delay expenses. Your plan might provide anywhere from $100 to $300 per day, with an overall per person cap such as $500 to $1,000.

Another possible scenario: You get injured bungee jumping during a thrill-seeking vacation. If your travel medical insurance excludes adventure activities—and many do—you would not be eligible to seek compensation for your medical costs.

Gather Documentation

Documentation is important to ensure that your travel insurance claim is paid promptly.

When there are delays in processing a claim, the most common reason is that the policyholder didn’t provide sufficient proof or documentation to demonstrate their actual financial loss. Without this, your insurer can not properly evaluate your claim.

For instance, if you qualify for a travel delay claim, your travel insurance policy can cover extra expenses, such as food, an overnight hotel stay and even a cab ride to a friend’s house. If you provide documentation for those covered expenses, you may be reimbursed up to the capped amount for that benefit.

If your trip has to be completely cancelled and you file a trip cancellation insurance claim, your insurer is going to want documentation of your out-of-pocket expenses. This can include confirmation that you cancelled your itinerary with the travel supplier and the amounts of any refunds or credits that the supplier has offered you as part of your reimbursement.

Travel insurance will reimburse you only for the pre-paid and non-refundable money that you’ve already paid. If you have to cancel your trip, first check with your suppliers, such as your hotel or airline, to see if they will offer a refund. Failing that, you can then submit a claim to your insurance provider.

You’ll need documentation for claims on other coverage types within a travel insurance policy, such as  travel medical insurance  and  baggage insurance .

It’s important to keep all receipts so that you can make a successful claim. You also want to file loss reports with airlines or local authorities for problems such as lost baggage.

Submit Your Claim With Documentation

You can call your travel insurance company for help, read the website for directions, or access the company’s app for guidance on what is required to complete the claim process. If possible, submit your claim documentation online for a faster process.

You will need supporting documents if you file a travel insurance claim. These could include receipts, medical bills and police reports. The specific documentation needed depends on the type of travel insurance claim you are filing.

Keep in mind that what might be required for a medical expense claim may be more robust than perhaps a luggage or flight delay claim.

Trip Cancellation Claim Documentation

Cancellation documentation depends on the reason why you cancelled. In most cases, it’s injury or illness, so this will require medical records like a note from your doctor saying they advise you not to travel.

For other issues, like job loss, you’ll need a notarized letter from your prior employer, usually on their company letterhead.

You may also have to provide documentation confirming that you cancelled your itinerary with your travel supplier and the amounts of any refunds or credits that supplier offered as part of your reimbursement. (You can’t claim money that was reimbursed by a travel supplier, like an airline.) You may also need to supply your unused plane tickets.

Trip Delay Claim Documentation

If your airline delays your flight, you’ll need a notification from your airline explaining the reason for the delay, which is usually an email. Typically, the cause has to be due to weather or mechanical issues to be covered.

Also, be sure to hold on to—and include in your claim—receipts for expenses such as meals, hotel stays, transportation and personal essentials if you experience a travel delay.

Trip Interruption Claim Documentation

If you need to return home before your trip ends due to an illness or injury to you or a travel companion or a family emergency back home, you will need to present applicable paperwork, such as signed medical documentation or hospital records.

Baggage and Personal Effects Claim Documentation

If your airline, train or other transportation company loses your luggage, you will need to document it by filing a report with the company. Your travel insurance company will usually want proof that the transportation company will not reimburse you before it pays out your claim.

One of the most common mistakes made is when baggage has been damaged or stolen. It’s crucial to file a report of the lost or damaged items to the airline, police or airport security. Without that report, your claim is unlikely to be approved.

You will also need to submit a list of what you packed and the value of the items.

For personal belongings that are stolen, be sure to include in your claim a police report or a loss report from your tour operator or hotel manager. You will also need to present documentation proving the value of the items you are claiming.

Medical Expense Claim Documentation

When filing a medical expense travel insurance claim, you need to include all medical documentation issued while under the care of medical professionals.

Save receipts for medicine or other medical supplies. You will be required to submit all these materials when filing a claim.

Time limits regarding insurance claim filings will vary according to the company, underwriter and your policy. For example, some travel insurance plans allow as little as 20 days for you to file a claim, while others may allow a year.

Typically, it ranges from 20 to 90 days from the date the covered loss occurs, although some plans don’t list a time limit at all. However, all plans typically have the caveat of ‘or as soon as is reasonably possible.’ Unless someone has endured some extraordinary event, insurance companies usually give clients one year from the date of the covered loss to file the claim.

Regardless of the timeframe, it is better to act sooner rather than later to ensure your travel insurance claim reimbursement.

If you file a claim without all the proper documentation or evidence, the insurance company will send a note back that the claim cannot be reviewed yet. It’s important to note that this is not a ‘denial’ of the claim. You can still submit the documentation that’s been requested to have the claim reviewed. It’s worth underscoring the difference between “incomplete claims” and “denied claims.” Missing receipts and documentation will result in a claim being considered “incomplete,” but that claim can later be “completed” if all requisite documentation is provided.

Another top reason for denial of a travel insurance claim is that the problem simply isn’t covered. For example, if you buy a trip to the Caribbean during hurricane season, make sure your travel insurance policy covers weather. If it doesn’t, and you cancel the trip because of a hurricane, your claim will be denied.

To ensure your travel insurance policy will meet your needs, it’s a good idea to use the review period, which gives you a grace period (usually 10 days) after purchase to read your policy carefully and make any adjustments if necessary.  If you regret your travel insurance purchase, you can cancel the policy for a refund and buy another plan.

Another smart move is to work with a travel insurance agent who can help you choose not only the right coverage but also understand the policy’s limitations. A travel insurance agent can also help you price shop the best plans.

Armed with the knowledge of what your travel insurance policy covers, you can enjoy your travel experience without unpleasant insurance surprises.

After you file a claim, be sure to check your email, as there could be follow-up requests from your travel insurance company. You may be asked for additional documentation or clarification about your claim.

If your claim is denied, be sure to review the details, especially the exclusions, of your travel insurance policy. The claim may have been rejected because the incident isn’t covered by your policy, and you were unaware. If you still have questions, ask your travel insurance agent for help.

If you want to appeal your denied travel insurance claim, you can usually find instructions on the company website or call the customer service number.

The Bottom Line

The more documentation you can provide, the more likely your insurance company will compensate you for your covered losses. You can even take photos of your items and packed suitcase for a visual record. Before you travel, be sure to organize your receipts in one place and keep digital and hard copies, just in case.

I've had a medical emergency on my trip. When should I contact my insurer?

As soon as possible. Most (if not all) insurance providers require travellers (or someone acting on their behalf) to report a medical emergency prior to receiving treatment. The insurer needs to approve all medical procedures and treatments or your claim may be later denied. You may also be subjected to a reimbursement cap, either a dollar amount or percentage. For example, CAA Travel Insurance will reduce your maximum benefit to 80% to a maximum of $25,000.

The airline lost my luggage but I don't have receipts for my personal items. Can I still make a claim?

Yes, you can, but your insurer may deny the claim or reimburse you for a reduced amount based on its reasonable worth. So if you can’t prove that your luggage cost $1,500, you may only get a tiny percentage of that money back. If you don’t have a receipt, you may be able to provide additional proof of purchase, such as a credit card statement or warranty.

I have a pre-existing medical condition. Can I still make a medical claim?

Each insurance company has its own rules and exclusions around pre-existing conditions based on your age, the nature of the condition and whether or not the insurer considers it “stable” before your trip. Insurance companies also have their own age threshold for requiring a medical questionnaire when applying for emergency medical insurance. It’s important to be honest on your questionnaire and divulge any changes in medication or treatment. While it can be disappointing to be turned down for travel insurance for a certain condition, it can be disastrous to assume you’re covered and only when you make a claim, discover that you’re not.

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Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com. Erica is a graduate of the University of Maryland at College Park.

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Filing a Travel Insurance Claim: Step by Step Guide

Last Updated: March 8, 2023 October 4, 2023

In a perfect world, there would be such a thing as risk-free travel. Unfortunately, no matter what type of trip we are planning, there’s always the chance that things go wrong. Travel insurance exists to offer protection from the unexpected, and mitigate the financial risks associated with traveling. 

In the unfortunate event that you encounter travel issues, it’s important to know the steps needed to be reimbursed by your travel insurance provider through filing a claim. 

How to Claim Travel Insurance

Having to file a travel insurance claim can seem like a bothersome, daunting process. However, it doesn’t have to be.

If you’ve experienced travel disruptions or need to be reimbursed for other covered reasons, there are steps you can take today to begin filing your claim and make the process as seamless as possible. Squaremouth breaks down how travel insurance claims work.

Step 1: Review Your Policy Details 

This step should really be done well before you get to the stage of filing a claim. Whether you have a single trip or annual plan, understanding your travel insurance policy is crucial when determining if you are entitled to reimbursement. In fact, misunderstanding coverage is one of the most common reasons for denied travel insurance claims.

To review your policy details, it’s recommended to read your travel insurance certificate. This would have been sent to you shortly after purchasing your policy. The certificate details the benefits, coverage limits, and any important exclusions found in your specific policy.

For example, this certificate will outline how long you must be delayed before coverage kicks in, and how much medical reimbursement you may be entitled to. In addition, these policy details will also include the contact information of your provider, should you need to file a claim.

Step 2: Contact Your Travel Insurance Provider

If your trip is impacted and you believe you are eligible for reimbursement, it’s advised to get in touch with your provider as soon as reasonably possible. For example, in the event you experience a medical emergency, you should seek treatment first, and call your insurance company when you are able to. 

The reason it’s important to contact your travel insurance provider early on in the process is because they are able to provide important policy information in real-time. They will be able to offer advice, inform you on coverage options, and help guide you through the start of the claims process.

Step 3: Get Your Documents in Order

When filing, you will need to have evidence that supports your claim. For this reason, it’s important to have all documentation related to your loss. This includes any receipts related to expenses you’ve paid and any refunds you may have received. 

Documents that may be relevant to your claim include: 

• Airline, hotel, rental car, and excursions receipts
• Cancellation notices from prepaid bookings
• Delay notices from airlines
• Medical and emergency services bills
• Notes from licensed physicians 
• Correspondence with relevant parties
• Police reports
• Unused tickets
• Refunds received during your trip

Keeping either physical or digital copies of the above documents, as well as any other applicable files, will help make the claims process as smooth as possible.

Step 4: File Your Claim

Once you’ve contacted your insurance provider and collected all relevant documentation, you can now submit your claims form to your travel insurance provider. 

Most travel insurance companies allow policyholders to file a claim over the phone, through their website, or through their app if they have one. As you go through the process, your provider will clearly outline what’s needed in each step, and will contact you if any additional items are needed.

In most cases, it’s most efficient to file your claim online. That way, you can upload your documentation digitally all at once, rather than relying on email.

How Long Does A Travel Insurance Claim Take?

The timeframe of your specific claim will largely depend on the provider, the complexity of your claim, and how quickly the provider receives all necessary documentation. 

Being knowledgeable of your policy and organized are two great ways to give yourself the best chance of a quick and easy claims process.

What If My Travel Insurance Claim is Denied?

If you feel your claim was incorrectly denied, there are actions that you can take to try and correct the decision. 

First, you may have an opportunity to file an appeal with your insurance provider. If your claim was rejected because you filed the claim incorrectly, did not attach required documentation, or made mistakes when filling out a form, you should get in contact with your provider to remedy the situation.

Another way to protect yourself from denied claims is to purchase a policy with a Zero Complaint Guarantee , a level of security attached to every policy bought through Squaremouth. With the Zero Complaint Guarantee, our licensed claims adjusters will investigate your case and mediate with your provider on your behalf.

If all else fails, travelers may also file a complaint with their state’s Department of Insurance. This service is designed to investigate cases where consumers have been wrongfully denied a claim by their insurance provider. This process is not guaranteed to overturn a claim decision, but offers another layer of protection for travelers in the event their case was rejected.

How to Make The Most of a Travel Insurance Claim

More travelers are buying insurance. If your trip is canceled, take these steps to increase your chances of recovery.

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 The same tricky travel climate that can derail vacation plans abruptly is also starting to overwhelm the insurers compensating travelers for those disruptions. Changing pandemic protocols in the U.S. and abroad, COVID spread, nonrefundable reservations, and canceled or delayed flights made travel insurance a desirable—sometimes even required—safety net.          In a recent survey, travel insurer Allianz Partners USA found that 90% of its customers said they’re likely to buy travel insurance for their next trip. And Squaremouth, a travel insurance comparison site that also tracks trip insurance purchases in real time, reports that 42% of summer 2022 travelers specifically sought out coverage for contracting COVID-19, including cancellation, medical and quarantine benefits. That number represents a nearly 10% jump from the same time last year.        More buyers of the insurance mean more claims. Squaremouth’s data analysis shows a whopping 235% increase in claims from January to June this year, compared to the same time frame in 2019. And experts warn that volume, filing errors and confusion are clogging the system and producing delays. What previously took days or weeks to process could now potentially take months, industry watchers say. “The majority of claims are from travelers who contract COVID-19 either before or during their trip,” says Megan Moncrief, chief marketing officer at Squaremouth. “This is causing extended claims processing times throughout the industry.”           Contributing to the spike in claims is that many U.S.-based insurance providers expanded their standard policies to cover cancellations or delays due to illness, individually ordered quarantines, denied boardings and other events caused by COVID-19 or future epidemics. Previously, only a pricier policy upgrade, Cancel for Any Reason, offered worried travelers such broad protection that it would have covered disruptions from pandemics, but that peace of mind generally increases a policy’s premium 40% to 50%.        With claims expected to continue rolling in at an blistering pace, how can travelers expedite a claim and avoid mistakes that can prolong resolution? Here are some tips to keep in mind.  

10 Things to Know About Hurricane Insurance Claims

 Know what counts as proof of COVID 

 Moncrief calls this “the biggest misconception” right now. Many travelers who contract COVID misunderstand the documentation required to verify the diagnosis when making a claim. An at-home test usually isn’t enough, she says. In most cases, insurers want to see a PCR, or a test given by a medical professional, along with a doctor’s note confirming a positive result. What’s more, self-isolation due to exposure typically is not covered, she says. 

 Understand policy coverage and benefit limits 

 Let’s say you fall ill and are unable to return home as planned. Most policies can cover meals and accommodations for your delayed departure, as well as transportation expenses. But “this is not an unlimited pot of money,” Moncrief says. The typical benefit might range from $1,000 to $2,000 per traveler, with a daily limit. To minimize out-of-pocket expenses, know exactly what the threshold is and spend accordingly.  

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 Don’t get tripped up by vouchers 

 Often, airlines will offer a voucher for future travel (in lieu of a refund, to which you are always entitled) when a flight or booking is canceled. But is the reason for the dropped flight covered by your travel insurance policy? If it is, you must decline the voucher and cancel the flight outright to claim that expense. Squaremouth notes that insurers are denying more claims because some travelers accept the voucher and then try to claim the cost of the flight. 

  Document everything 

 When you’re filing a claim, proof is everything. Before they can process a claim, travel insurers will need all the evidence that proves your loss. Keep cash and credit card receipts for expenses you incur, and gather documentation. For example, a statement from the airline about lost luggage along with an inventory detailing the value of what was lost may be sufficient for reimbursement, and a diagnostic note from a doctor may satisfy medical claims. Take photos of that proof in case the paper copies are misplaced or lost. 

 Report promptly 

 Expedite a claim by filing as soon as possible and submit it via email or the insurer’s online portal. The time frame for filing a claim varies depending on the company and the policy, but the clock starts ticking from the date of your loss. Typically, there’s a 90-day window to submit a claim and documentation, although some insurers shrink that time frame.           A last note: If you book a trip with a credit card that offers travel insurance, you may be able to recoup some costs, perhaps related to cancellation, interruption or delayed or lost baggage. Not all cards, however, have the same coverage, and each will set strict limits. Check the benefits guide for your specific credit card to determine the scope of coverage it guarantees and the rules for making a claim 

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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How to File a Travel Insurance Claim: Step-by-Step Guide

Travel insurance can provide peace of mind when you’re exploring the world, but unfortunately, accidents and unexpected events can still occur. When something goes wrong, it’s important to know how to file a travel insurance claim. This guide will walk you through the steps you need to take to file a successful claim and get reimbursed for your expenses.

Introduction

Travel insurance is designed to protect you in case something goes wrong on your trip, such as a medical emergency, trip cancellation, or lost luggage. However, many people are unsure of how to file a claim when they need to use their insurance. In this article, we’ll provide you with a step-by-step guide to help you navigate the process of filing a travel insurance claim.

Understanding Your Travel Insurance Policy

Before you even begin to file a claim, it’s important to understand your travel insurance policy. This will help you determine what’s covered and what’s not, as well as any deductibles or limits on your coverage.

Coverage Types

Most travel insurance policies offer a variety of coverage types, including:

• Medical expenses: Covers costs related to medical emergencies and injuries while traveling.
• Trip cancellation/interruption: Provides reimbursement if you need to cancel or cut short your trip due to a covered reason, such as illness or a natural disaster.
• Baggage/personal effects: Covers lost, stolen, or damaged luggage or personal items.
• Evacuation/repatriation: Covers the costs of emergency medical evacuation or repatriation in the event of a medical emergency or death.

Policy Limits and Deductibles

In addition to understanding what’s covered, you should also be aware of any policy limits and deductibles. Policy limits refer to the maximum amount your insurer will pay out for a particular type of coverage. Deductibles refer to the amount you’ll need to pay out of pocket before your coverage kicks in.

What to Do When Something Goes Wrong

If something goes wrong on your trip, such as a medical emergency or lost luggage, it’s important to take immediate action.

Document Everything

The first step is to document everything that happens. This includes taking pictures of any damage or injuries, as well as keeping all receipts and other relevant documentation.

Contact Your Insurance Company

Next, you should contact your travel insurance company as soon as possible. Most insurers have a 24/7 emergency hotline that you can call in the event of an emergency.

Follow Your Insurer’s Instructions

Your insurer will give you instructions on what to do next, such as seeking medical attention or filing a police report. It’s important to follow these instructions carefully to ensure that your claim is processed smoothly.

Filing Your Claim

Once you’re back home and ready to file your claim, there are a few steps you’ll need to follow.

Gather Your Documentation

The first step is to gather all of the documentation you’ll need to support your claim. This may include medical bills, police reports, and receipts for lost or damaged items. Make sure to review your policy to ensure that you have all of the necessary documentation.

Submit Your Claim

Once you have all of your documentation, you can submit your claim to your insurance company. Many insurers allow you to submit your claim online or by mail. Be sure to fill out all of the required forms and provide all of the necessary documentation.

Wait for Your Insurer’s Response

After you submit your claim, your insurer will review it and determine whether it’s covered under your policy. This process can take anywhere from a few days to several weeks. If your claim is approved, your insurer will typically reimburse you for your expenses minus any deductibles or policy limits.

Dealing with a Denied Claim

If your claim is denied, it can be frustrating and confusing. However, there are steps you can take to try to get your claim approved.

Review Your Policy

The first step is to review your policy to make sure that your claim was denied for a legitimate reason. If you believe that your claim was denied unfairly, you can file an appeal with your insurer.

File an Appeal

To file an appeal, you’ll need to provide additional documentation or evidence to support your claim. Make sure to follow your insurer’s appeals process carefully to ensure that your claim is considered.

Seek Legal Advice

If your appeal is denied, you may want to seek legal advice. A lawyer can help you understand your options and advise you on how to proceed.

Filing a travel insurance claim can be a daunting process, but it’s important to know how to do it in case something goes wrong on your trip. By understanding your policy, documenting everything that happens, and following your insurer’s instructions, you can increase your chances of having your claim approved. And if your claim is denied, don’t give up – there are steps you can take to try to get it approved.

What documentation do I need to file a travel insurance claim?

The documentation you need may vary depending on your insurance policy and the nature of your claim. However, common documents include receipts, police reports, medical records, and proof of travel. Be sure to review your policy carefully to ensure that you have all of the necessary documentation.

How long does it typically take for a travel insurance claim to be processed?

The processing time for travel insurance claims can vary depending on the insurer and the nature of the claim. Some claims may be processed within a few days, while others may take several weeks or even months.

What should I do if my claim is denied?

If your claim is denied, you may want to review your policy to ensure that your claim was denied for a legitimate reason. If you believe that your claim was denied unfairly, you can file an appeal with your insurer. If your appeal is denied, you may want to seek legal advice.

Can I purchase travel insurance after I’ve already left on my trip?

It depends on the insurer and the policy. Some insurers may allow you to purchase travel insurance after you’ve left on your trip, but the coverage may be limited. Be sure to review your policy carefully to understand the terms and conditions.

What happens if I need to file a claim for a covered event that happens during my trip, but I don’t have internet access to submit it online?

If you don’t have internet access to submit your claim online, you may be able to submit it by mail or fax. Be sure to review your policy to understand the options available to you. You may also want to consider purchasing travel insurance that includes 24/7 emergency assistance, which can help you in case of a covered event.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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April 8, 2024, Solar Eclipse Will Pass Over All 7 US Cities Named Nineveh?

Some christian groups have preached that the eclipse is a bad omen., published march 31, 2024.

About this rating

On April 8, 2024 , a total solar eclipse will blot out the sun for a couple of minutes in a small band across the United States. The eclipse's totality is the only time humans can look directly at the sun without damaging their eyeballs, and so millions of people from around the world will flock to cities in the path of totality, such as Dallas and Indianapolis.

Eclipses do not discriminate, so anyone in the path of totality will be able to see the sun fully obstructed by the moon. However, some people  have claimed online that there's one interesting coincidence about the eclipse's path of totality: It will pass through every city in the United States named Nineveh. That name is shared by an ancient city in modern-day Iraq that was described in the bible as "evil." 

Snopes received an email from a reader who requested that we check the claim about cities named Nineveh in the eclipse path. In our research, we discovered that many of the people making the claim were Christians who were interpreting the eclipse as a bad omen . 

Contrary to the claims, Snopes discovered that the path of totality in the eclipse does not pass through seven cities in the United States named Nineveh — it passes through just two. But before counting places named Nineveh, we must first briefly clarify how eclipses work.

How Eclipses Work

A total solar eclipse is caused by the moon and the sun being in exactly the right place at exactly the right time. The moon fully blocks the light from the sun, casting a really large shadow on the earth. Those inside the moon's shadow, called the umbra, are the only ones who will be able to look directly at the sun without eye protection, and it's the small path of the umbra that people travel to in order to see the total solar eclipse. The website GreatAmericanEclipse.com created a visualization of the shadow's path across North America.

Outside the umbra, where the moon blocks only some of the sun, is called a partial solar eclipse, and the sun looks like it has a giant bite taken out of it. You cannot view a partial solar eclipse without special eclipse glasses, and this area is much, much larger than the umbra. The entirety of the continental United States will be able to see a partial solar eclipse on April 8, just as the entirety of the United States (even Alaska and Hawaii) was able to see a partial solar eclipse in  2017 . 

The cool part (partial) of an eclipse can be seen from a very large area, as long as you wear eclipse glasses. The really cool part (total) of an eclipse can be seen only in a small area. It is the total eclipse that people have thought held religious significance since practically as long as humans have had eyes to see and religions to follow.

To quote the essayist Annie Dillard :

A partial eclipse is very interesting. It bears almost no relation to a total eclipse. Seeing a partial eclipse bears the same relation to seeing a total eclipse as kissing a man does to marrying him, or as flying in an airplane does to falling out of an airplane. Although the one experience precedes the other, it in no way prepares you for it. 

Places Named Nineveh

We started with Wikipedia's list of places named Nineveh to get a general idea of where to look. Of course, we cross checked those results with more-reliable sources of knowledge, including Google Maps and data from the U.S. Census Bureau.

Wikipedia listed just six places in the U.S. named Nineveh, which made our claim of seven dubious to begin with. Checking the locations of those places on Google Maps, we found that three were actually townships, a term used for county subdivisons in some states. 

The first was the largest, Indiana's Nineveh Township (south of Indianapolis), which contains a small hamlet of the same name. Both the township and the hamlet will indeed fall in the path of the total eclipse.

Next, Wikipedia listed two townships in Missouri — one in Adair County (about halfway between Kansas City and Davenport, Iowa) and one in Lincoln County (about an hour northwest of St. Louis). But neither of the two townships contained a village named Nineveh on any of the maps we looked at. Furthermore, neither of the townships fell in the path of the total eclipse. 

The fourth place on Wikipedia's list, Nineveh, New York, is about 30 minutes east of Binghamton. We found it marked on maps but, again, it did not lie in the path of totality.

Fifth: Nineveh, Pennsylvania, roughly halfway between Pittsburgh and Morgantown, West Virginia. This Nineveh was marked on maps, but it was also outside of the total eclipse. It was also the last Nineveh listed by the U.S. Census Bureau.

Sixth, we found Nineveh, Virginia, an hour and a half west of Washington, D.C. This was the easiest to check: Nobody in the state of Virginia will be able to see full totality during the eclipse. We did not find a label for Nineveh on maps, and buildings located in the area had their postal addresses listed as White Post, Virginia.

That completed the Wikipedia list, but various posts about the supposed line-up listed two more Ninevehs located in the U.S.: one in Texas and one in Ohio.

Nineveh, Texas, was not marked on maps, nor did it have a post office. It was located not far off of Interstate 45 halfway between Houston and Dallas. This one was close, but we eventually confirmed that it would be outside of the zone of totality by referencing nearby cities that also were outside of totality.

Nineveh, Ohio, was a similar story: not found on maps, no post office, no Census data. But this Nineveh, 30 minutes northwest of Dayton, was finally our second hit.

In total, we counted two places named Nineveh in the United States that could be found in the path of totality.

2024 Total Eclipse . https://science.nasa.gov/eclipses/future-eclipses/eclipse-2024/. Accessed 28 Mar. 2024.

"A Total Eclipse Is near. For Some, It's Evidence of Higher Power. For Others It's a Warning." USA TODAY , https://www.usatoday.com/story/news/nation/2024/03/23/2024-total-solar-exclipse-religious-implications/72869724007/. Accessed 28 Mar. 2024.

April 8, 2024 Eclipse Will Pass Over 7 United States Cities Named Nineveh . www.youtube.com , https://www.youtube.com/watch?v=3n6dp85XynY. Accessed 28 Mar. 2024.

April 8 Eclipse and Third-Day Events in Scripture . https://www.biblejournalclasses.com/blog/april-8-eclipse-and-third-day-events-in-scripture-2. Accessed 28 Mar. 2024.

Dawson, Brandon. "THE JONAH ECLIPSE - 40 DAYS - GODS URGENT WARNING TO AMERICA!" Tribe of Christians , 2 Mar. 2024, https://www.tribeofchristians.com/single-post/the-jonah-eclipse-god-s-great-warning-to-america-april-8th-2024.

Dillard, Annie. "Total Eclipse." The Atlantic , 8 Aug. 2017, https://www.theatlantic.com/science/archive/2017/08/annie-dillards-total-eclipse/536148/.

Eclipse 2017 . https://eclipse2017.nasa.gov/. Accessed 28 Mar. 2024.

Mark, Joshua J. "Nineveh." World History Encyclopedia , https://www.worldhistory.org/nineveh/. Accessed 28 Mar. 2024.

"Nineveh (Disambiguation)." Wikipedia , 29 Oct. 2023. Wikipedia , https://en.wikipedia.org/w/index.php?title=Nineveh_(disambiguation)&oldid=1182408744.

Noah. "The Upcoming U.S. Eclipse Just Got Even Stranger!" WLT Report , 4 Mar. 2024, https://wltreport.com/2024/03/04/upcoming-u-s-eclipse-just-got-even-stranger/.

The APRIL 8, 2024 ECLIPSE & The 7 Cities Named Nineveh | The APRIL 8, 2024 ECLIPSE & The 7 Cities Named Nineveh | By Messiah GuguFacebook . www.facebook.com , https://www.facebook.com/100067092253715/videos/the-april-8-2024-eclipse-the-7-cities-named-nineveh/397509926249711/. Accessed 28 Mar. 2024.

The April 8 2024 Eclipse and the 7 Cities Named Nineveh . www.youtube.com , https://www.youtube.com/watch?v=eLkxKT65IFc. Accessed 28 Mar. 2024.

"Total Solar Eclipse 2024 US." Great American Eclipse , https://www.greatamericaneclipse.com/april-8-2024. Accessed 28 Mar. 2024.

By Jack Izzo

Jack Izzo is a Chicago-based journalist and two-time "Jeopardy!" alumnus.

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2024 eclipse one of many reasons flat Earth claims are nonsense | Fact check roundup

Tens of millions of Americans will watch as the moon passes between the sun and the Earth on April 8, completely blocking out daylight for minutes for those in the path of totality . The celestial show has launched a frenzy of paper glasses purchases and hotel reservations , and it serves as a perfect case-in-point for how scientists know the Earth, moon and sun move through space.

But it hasn't stopped some skeptics from continuing to believe the Earth is flat, a conspiracy theory experts say dangerously feeds into paranoia and spurs an unhealthy skepticism of all science and credible authorities.

The USA TODAY Fact-Check Team has debunked an array of flat Earth-related claims, including that Antarctica is really an ice wall around a flat Earth and the related conspiracy theory that space – and space travel – isn't real.

More: Surreal April 2024 total solar eclipse renews debunked flat Earth conspiracy theories

More : The 2024 total solar eclipse is in less than a week: How to get glasses; cloud forecast

The claim: NASA admits the Earth is flat and non-rotating

Our rating: False

NASA has consistently said the Earth is a round, rotating globe, and the documents referenced don't prove otherwise. The "flat, non-rotating earth" model is a common technique used to generalize mathematic equations, experts said.  Read more

More from the Fact-Check Team:  How we pick and research claims |  Email newsletter  |  Facebook page

The claim: Antarctica is an ice wall that surrounds the flat Earth

Antarctica is a continent in the Southern Hemisphere. Satellite data from NASA and independent companies shows the land mass as an island with a definitive end. Read more

The claim: Pictures show the Earth is flat, and sea levels haven’t changed

Scientists have ample evidence the Earth is curved, including images of the planet taken from outer space. And long-term tide gauge data shows that sea levels have risen in Sydney Harbor over the past century and continue to rise. Read more

The claim: Moon visible in the daytime proves Earth is flat

The Earth is not flat, it's spherical, as proven by photos from space and an array of observations and calculations that can be done from Earth. Planetary scientists say the visibility of the moon and sun during the daytime doesn't prove a flat Earth – it is in fact a reflection of the motion of the sun, moon and Earth in space, along with the Earth's rotation. The moon also does not emit its own light.  Read more

The claim: Radar technology wouldn’t work if the Earth was a globe

Scientists say that radar technologies account for the Earth’s curvature. Furthermore, the curvature of the Earth plays into some of the limitations of radar technology. An abundance of evidence demonstrates the Earth is spherical in shape – including images of the planet taken from outer space. Read more

The claim: Celestial navigation would be impossible if Earth is globe-shaped and orbits the sun

Celestial navigation is a technique still used to determine location based on the positions of celestial objects. Because the Earth and other celestial bodies are in motion, the apparent position of stars, planets and the sun in the sky changes. These changes must be taken into account for successful celestial navigation. Read more

The claim: Operation Highjump was a mission to find out what was beyond the 'ice wall' of Antarctica

Historical records show Operation Highjump was a naval operation conducted to establish a base in Antarctica. There is no evidence it was sent to investigate an "ice wall." There’s overwhelming evidence that Antarctica is a continent, not an ice wall. Read more

The claim: Post implies moon missions impossible because of Earth's atmospheric temperatures

Our rating: Missing context

The implied claim is wrong. Thermospheric temperatures do not melt spacecraft. While this layer of the atmosphere does technically reach the temperatures stated in the post, there are not enough air molecules in the thermosphere to transfer significant amounts of this heat to an object, according to researchers. Read more

The claim: Post implies Apollo missions didn't happen because lunar module can't travel between Earth and the moon

The implied claim is wrong. The Apollo 11 lunar module traveled through space after being propelled toward the moon by a powerful rocket. Astronauts made the journey in a different, attached module − called the command module. Astronauts only used the lunar module for transport between the moon and the orbiting command module. Read more

The claim: Post implies NASA space shuttle can't travel faster than jet due to its design

The implied claim is wrong. The NASA space shuttle travels much faster at top speeds than the SR-71. The space shuttle is launched with the aid of huge rocket boosters not shown in the photo and only reaches top speeds at elevations where there is virtually no air resistance. The SR-71 jet moves more slowly because it must reach its top speeds under its own power and against the friction of Earth's atmosphere. Read more

Thank you for supporting our journalism. You can  subscribe to our print edition, ad-free app or e-newspaper here .

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KSAT Investigates

‘it makes me feel unappreciated’: former robb elementary teacher’s workers’ comp claim denied, after the shooting at robb, mercedes salas immediately went back to teaching at uvalde cisd.

Leigh Waldman , Reporter

Eddie Latigo , Photojournalist

UVALDE, Texas – A Robb Elementary teacher who helped carry her students out of broken windows while a gunman was across the hall is still fighting.

This time, she is fighting to get workers’ compensation for injuries she endured that day.

May 24, 2022

“As I heard their screams, I heard the gunshots. Then I heard nothing. And then it just clicked in my brain, like, ‘Oh, my God. They’ve been killed,” said Mercedes Salas.

Thinking back to May 24th, 2022, brings a wave of emotions for Salas.

“I prayed. I’m like, ‘God, please protect us,’” Salas said, remembering the hushed whispers that morning.

Her classroom was just across the hall from where a gunman ultimately killed 19 children and two teachers.

Salas said she could hear officers in the hallway while she and her students huddled together in a dark corner, waiting for rescue.

After more than 40 minutes, that moment finally came.

“I heard my window shatter,” Salas said.

KSAT 12 News examined hours of body camera video and was able to find footage of Salas and the children in her classroom climbing through the broken glass and running to safety.

“I was carrying like this out the window. And I ended up cutting my hands with the glass,” Salas said, describing what she did the day of the shooting.

Salas double-checked the room was empty before she exited through the broken window herself.

“I hit both of my knees on the cinder block,” she said.

Despite the emotional trauma and physical toll the Robb school shooting took on her, Salas returned to the classroom weeks later to teach summer school and has continued teaching at Uvalde CISD since.

“I feel like if I’m not there, you know, something might happen,” Salas said.

Workers’ Compensation

For 17 years, Salas has taught at Uvalde CISD without any problem. Now, walking around an elementary school classroom and through the halls has gotten much harder.

Her knees, which have never had problems before, swell and cause her pain.

“They start hurting a lot then I have to sit down, you know, and my kids know that my knees hurt,” Salas said.

Salas first saw a doctor in June 2022, the month after the shooting. At that point, the doctor prescribed her physical therapy.

She showed KSAT Investigates some of the exercises she was taught to do. The therapy helped, but when the doctor prescribed another round of treatment, the workers’ compensation company denied the claim.

“My second round was denied,” Salas said.

“Through workers’ comp?” KSAT Investigates reporter Leigh Waldman asked.

“Through worker’s comp. But then they approved it,” she said.

When that didn’t serve as a long-term fix for her knees, Salas’s doctor recommended injections into her knees.

“It’s $1,000 each injection. You need two of them, one for each knee. He said, ‘I don’t know. That might be tough to get it approved.’ And I said, ‘OK, well, let’s try it.’ And no, it was denied,” Salas said.

In the letter sent by the company that handles the workers’ comp claims, they state there is no permanent damage to her body.

Another page attributed her knee pain and swelling to arthritis, though she had never been diagnosed with it before.

“My treatment of anything just stopped there because I did receive that letter stating, you know, I can continue going to the doctor if I want to, but I have to pay for it now,” Salas said.

For UCISD employees, their workers’ compensation claims are handled through Edwards Risk Management Inc.

Salas asked the representative who helped her why her claim was denied. She said the woman compared her injuries to something that could happen if someone falls during a fire drill.

“I could just not believe what she said. And I’m like, ‘A fire drill?’ And, you know, I said, ‘Look, that day, I was just trying to survive. I was trying to stay alive,” Salas said.

KSAT Investigates reached out to the company to ask about Salas’s rejection. President and CEO Kim Edwards explained that claims are regulated through the Division of Workers’ Compensation, and as the carrier, they’re “bound by that opinion unless and until it is reversed or modified.”

When pressed about what Salas shared was said to her about a fire drill, Edwards stopped responding.

“I just want to feel the way I was before,” Salas said through tears.

Salas’s claim is just one of the 24 claims filed listing Uvalde Consolidated Independent School District with a date of injury as May 24, 2022, according to the Texas Department of Insurance, Division of Workers’ Compensation.

That same year, over 110,000 claims were filed. About 94% of all claims are approved without going through a dispute resolution process.

The TDI, Division of Workers’ Compensation, can’t discuss information with KSAT 12 News information about Salas’s case. However, in a statement, it shared, “Generally, full denials happen when the insurance company does not believe the injury is work-related or does not meet legal criteria to be covered.”

There is a process to dispute a rejected claim through TDI.

DWC’s dispute resolution process “is an administrative process that may include an informal mediation (benefit review conference), a formal hearing held by an administrative law judge (contested case hearing), and an appeal to the DWC Appeals Panel. If parties still disagree after an Appeals Panel decision, they can continue the appeal to a judicial review in court, but that is outside of DWC’s jurisdiction,” according to a statement from a spokesperson.

After the latest denial, Salas says she won’t keep fighting. Instead, she’ll focus on ways to move forward and continue to lean on her faith.

“May 24, I prayed. I know He listens, so I continue to pray every day,” Salas said.

Read more reporting on the KSAT Investigates page .

Find more Uvalde coverage on KSAT.com here

Copyright 2024 by KSAT - All rights reserved.

About the Authors

Leigh waldman.

Leigh Waldman is a news reporter at KSAT 12. She joined the station in 2021. Leigh comes to San Antonio from the Midwest after spending time at a station in Omaha, NE. After two winters there, she knew it was time to come home to Texas. When Leigh is not at work, she enjoys eating, playing with her dogs and spending time with family.

Eddie Latigo

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Premier Inn guests who faced ‘spider army’ fail to claim good night refund

Couple among those who say they have struggled to redeem on hotel chain’s ‘guarantee’ promising decent sleep

P remier Inn’s adverts say that a good night’s sleep is “guaranteed”, but a couple have claimed that any hope of that went out of the window when a “small army” of spiders began marching across the ceiling of their hotel room.

Jonathan Rees, who filmed what he claimed was an “epic gathering” of arachnids, is one of a number of readers who have contacted the Guardian after they attempted to claim on Premier Inn’s “Good Night Guarantee” but failed to get their money back.

Britain’s biggest hotel chain is famous for the promise, which was launched more than 20 years ago and has in the past been promoted with ads featuring the actor and comedian Sir Lenny Henry.

It says: “We’re so confident you’ll have a great night’s sleep that if you don’t, we’ll give you your money back*.”

However, that asterisk is important: it would seem that many people who claim on the guarantee are falling foul of the exclusions contained in the terms and conditions (T&Cs).

It appears one of the main reasons why people have their claims rejected is that they decided to lie there hoping that the alleged problem, be it a noisy extractor fan or drunk people in the corridors, would go away rather than going down to reception to demand it be sorted out.

Premier Inn said all three cases flagged by the Guardian “fall outside the terms of our Good Night Guarantee”. However, it declined to share any data on the pledge – for example, how many people claim on it, or what proportion get their money back.

Rees and his wife, Yunis, who live in Swansea, spent £208 on a two-night stay at a Premier Inn outside Cardiff. He said that “only after settling down on a comfy and perfectly clean pillow” did he notice a cluster of spiders making their way across the ceiling.

“Only the video does it justice,” he said. “My wife has a phobia of spiders, but there was no way to hide this from her. We were given a new, properly cleaned room, but my wife couldn’t sleep for the two-night duration.” In an email to Premier Inn, Rees said it was a “traumatising event to see a small army of spiders crawling across the ceiling”.

A Premier Inn spokesperson said the couple were immediately transferred to a new room after notifying reception of “the issue”, adding: “Guest relations declined a refund on the basis that the problem was reported and resolved immediately, and the guest opted to continue their stay.”

Another customer, Paul Howell (not his real name), had a three-night stay at Premier Inn’s London Euston hotel “at an eye-watering £228 a night”. He said that on arrival the room was very hot, and that the temperature reached 28C, resulting in him sleeping for “around three or four hours a night”.

He attempted to claim on the guarantee but received a reply, saying that particular hotel “does not offer air conditioning as a facility. Therefore, this falls under our exclusions.”

The company told the Guardian: “Our T&Cs do specify that claims are rejected when the complaint arises due to the lack of a facility that we do not offer – for example, when A/C is not provided.” It added that as a goodwill gesture, unconnected to the guarantee, one-third of Howell’s accommodation costs were refunded.

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A third customer claimed her night was ruined by a noisy extractor fan. Alison, who declined to give her surname, said she booked a stay at a Premier Inn in Nottingham at a cost of £257 for two nights.

She settled down to sleep but soon realised an extractor was still running somewhere. “It was low-level but loud enough to be irritating. I lay awake feeling upset ... I tried to grab sleep by covering my ears, still hoping it would go.”

She said that next morning she told reception about the annoying noise and her lack of sleep.

Alison was later told that the Premier Inn would not be able to offer a refund. A spokesperson told the Guardian: “This was reported the next morning, while the apparent disruption occurred throughout the night. T&Cs do specify that any internal noise must be reported within a reasonable period of time that allows the team the opportunity to rectify the issue.”

This exclusion relating to internal noise appears to have caused a number of claims to be rejected. Internet forums on websites such as MoneySavingExpert feature a number of alleged cases similar to Alison’s. In a post on Mumsnet in 2022, one person wrote: “They only guarantee a good night’s sleep if you’re willing to report issues to them in the middle of the night.” Another from that year said: “If you are disturbed by internal hotel noise, you have to report it to reception at the exact time during the night if it is ‘safe’ to do so.”

However, in both cases, reader polls on Mumsnet suggested most voters thought these two customers were being “unreasonable”. Premier Inn said it could not comment on these cases without more information.

Premier Inn also said the guarantee did not apply if your sleep was affected by circumstances beyond the company’s “reasonable control”, such as extreme weather, fire alarms going off and “third-party building works”.

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