Bangkok to Phuket Flights

You will never know how good your travel insurance is to Bangkok until you need to make a claim, but generally if it is with a reputable company there should not really be problem. Also if you have taken care and checked the small print you will know exactly what you can claim for or not. Care should have been taken to make sure you have given all the correct details before hand, examples of this would be if want to go and?ride a motorbike over 250cc or paragliding whilst in Pattaya?and?anything else that could be regarded as hazardous. Informing them of pre-existing medical conditions is a must even visits to a doctor?within the last 5 years must be declared.
Any valuable items you must also specify before hand such as notebooks, expensive watches etc. In the event of a travel insurance claim companies will ask for the receipt of original purchase this can be very difficult as?who keeps receipts?of purchases?of a?few years or more.?To make any claim the travel insurance will require documentation to accompany the claim. Keep in?mind that most policies are loaded with an excess generally around a hundred pounds, an?exception to?this rule?for example might well be travel delay or baggage. As policies vary a lot in conditions read and double check everything.
Although?varying types of claims are dealt with in a slightly different ways the principles are the same. If you should be unfortunate and loose or have your passport stolen this will in most policies be covered by travel insurance. In this circumstance you must report its loss to a local police station as well as an embassy to obtain a replacement. Loss of passports, cash?or any valuables must be reported to the police in any case. The procedure to follow?in Pattaya, is to go in person to the?central police station located on Beach Road firstly obtaining ?a ticket on entering the station and await your turn. The officer will require full details and make a report typically this is in the region of 40 baht the document will be in Thai but is your proof of reporting the incident.
If you see a local doctor pay for his charges and any medication prescribed keeping in mind the excess on your policy which if for a minor sum of money is not really worth claiming for. More serious is hospital treatment, the hospital will require up front payment in cash or a credit card. Keep all receipts as they will be required to make a claim on your return. Travel delay is normally payable after 12 hours delay and proof from the airline will be required again check with your particular insurer.
Mobile phones are not normally covered, although some policies such as those that are in conjunction with banks may. Keep in mind that if a mobile is covered they will expect you to have reported its loss to the police and the mobiles network for cancellation. They will also want a statement on its usage over the last month. This is to stop the unscrupulous from reporting a lost old mobile hanging around in a drawer at home.
Taking care and diligence is the key with travel insurance and peace of mind, with luck you may never need to use but having adequate cover when needed is a must.