Dispute travel insurance claim denials for trip cancellation, interruption, or medical coverage.
Evidence to gather
Strong documentation makes your demand letter harder to ignore.
- Contracts, invoices, or receipts tied to the dispute
- Photos, screenshots, or inspection reports
- A written timeline of events and communication
If they ignore your letter
Be ready to escalate with small claims or a regulatory complaint once your deadline passes.
The Insurance Appeal Playbook
Understand the Denial
Read the denial letter carefully. What specific reason did they give? That's what you attack.
Gather Supporting Evidence
Medical records, repair estimates, expert opinions - whatever proves your claim is valid.
Know Your Policy
Read your policy language. What's actually covered? What are the exclusions?
Insurance Bad Faith Laws
Insurers must handle claims in good faith. Unreasonable denials or delays can result in bad faith penalties.
Common Travel Insurance Claim Denial Issues
Our demand letter generator helps you address these typical problems:
- Claim denied for covered reason
- Pre-existing condition exclusion
- Documentation not accepted
- Low settlement offer
Travel Insurance Claim Denial Checklist
Gather these details before you generate your letter:
- Travel insurance policy and certificate
- Claim denial letter
- Documentation of covered event
- Receipts for claimed expenses
How It Works
Describe Your Issue
Tell us about your Travel Insurance Claim Denial dispute, including dates, amounts, and what happened.
Select Your Location
Choose your state or region so we can include relevant laws and legal citations.
Generate Your Letter
Our AI creates a professional demand letter with proper legal formatting and references.
Send to Recipient
Download your letter and send it via certified mail or email to the other party.
Travel Insurance Claim Denial Demand Letter by State
Get state-specific legal citations and requirements:
See all 50 states & territories
Similar Insurance Claims Issues
Common Questions About Travel Insurance Claim Denial
What if they say it's a pre-existing condition?
Check if you had waiver coverage. Definition of pre-existing varies by policy.
Should I appeal or sue?
Appeal first with additional documentation. Bad faith denial may support larger claim.
Ready to Create Your Demand Letter?
Generate a professional travel insurance claim denial demand letter in minutes. Our free tool creates legally-formatted letters with relevant consumer protection and contract law references.
Generate Your Demand Letter Now