Medical treatment abroad
Hospital bills or emergency care that the insurer will not cover.
Insurance claims settlement · UAE
Travel insurance claim refused?
You fell ill abroad, cancelled a trip or lost your luggage, and the insurer has refused or cut the claim. We review your case for free, organise the documents from your trip and present a clear complaint to the insurer.
- Free eligibility review
- Medical, cancellation and luggage
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.Why are travel insurance claims rejected?
Travel claims are usually refused because a reason for cancellation is not listed in the policy, a medical condition is treated as pre-existing, the insurer was not told in time, or receipts and reports from abroad are missing. Most of these depend on documents from the trip, which is why organising them properly matters.
Common situations
Travel claims we handle
These are the travel cases clients bring to us most often.
Trip cancellation or cut short
Non-refundable costs after an illness, a family emergency or another covered reason.
Lost or delayed luggage
Belongings lost or delayed by the airline.
Flight delays and missed connections
Extra costs the policy should cover.
Pre-existing conditions
The insurer links the illness to a condition before the trip.
Documents from abroad
Reports and receipts in other languages or formats.
What we do
What we do for your travel claim
We turn receipts and reports from your trip into a clear claim.
- Review the policy, benefits and exclusions
- Read the insurer's reason for refusal
- Organise bookings, receipts and medical reports
- Arrange translations where needed
- Show how the event falls within the cover
- Draft the complaint to the insurer
- File with the Sanadak unit if it is not resolved
- Follow up until a decision
Travel policies often have short notice periods. Tell us about your case as early as you can.
Documents
Documents for a travel insurance complaint
The trip
- Policy certificate
- Tickets and booking confirmations
- Passport pages with travel dates
What happened
- Medical reports and invoices
- Airline property irregularity report for luggage
- Cancellation confirmations and refunds received
The insurer's answer
- Claim reference number
- Rejection or settlement letter
- Correspondence with the insurer
Also useful
- A doctor's letter for cancellation on medical grounds
- Receipts for essential purchases during a luggage delay
- Bank or card statements
How it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Stage 1
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
Stage 2
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealBefore you file
Before you file a travel insurance complaint
- Notify quicklyMany travel policies require notice within a short period.
- Keep originalsOriginal receipts and reports from abroad are often requested.
- Get the airline reportFor luggage, the airline's report is usually essential.
- Claim refunds firstInsurers usually deduct what the airline or hotel refunded.
Why Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Travel insurance claims: frequently asked questions
My travel insurance refused my medical bills abroad. What can I do?
Ask for the reason in writing and complain to the insurer with the medical reports and invoices. If it is not resolved, the complaint can go to the Sanadak unit.
Is cancellation for a family emergency covered?
Often yes, if the reason is listed in the policy. We check your wording and the evidence needed.
My luggage was lost. Who pays, the airline or the insurer?
Usually the airline first, then the travel insurer for the remaining covered amount. We help with both.
My documents are in another language. Is that a problem?
They may need translation. We arrange it as part of preparing the file.
Is there a deadline?
Check your policy's notice period. Complaints can generally be filed within three years of the event, or two years from when you became aware of it.
How much does your service cost?
The first review is free. Our fee is confirmed in writing before we start.
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