Travel Insurance Direct
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Smooth, efficient but get yourself organised first.
I've made 2 claims with TID both in regards to emergencies relating to ill parents. The information they requested is not unreasonable in my circumstances although the request for information from a foreign party (where the incidents occurred) was stressful due to language, bureaucracy and general inefficiency. In hindsight of course we should have requested the information at the time of the incident but in an emergency who thinks of such things? However TID worked with the information we did manage to acquire, used a commonsense approach and processed/completed our claim very promptly.