How Do I Claim Insurance?
- forgettable
- Nov 6
- 3 min read
Making insurance work when you actually need it.
You only think about insurance when something goes wrong. A flight gets cancelled. A phone breaks. A hospital bill arrives.
That’s the moment you realise:
“I think I have insurance for this… but how do I actually claim it?”
It’s one of the most common (and most frustrating) questions people ask. Not because they don’t have coverage, but because no one made it clear how to use it.
1. Why claiming feels impossible
Insurance was designed to protect you, but the claim process often feels like a puzzle:
Policy documents are 30-page PDFs filled with legal terms.
Every insurer has a different form and deadline.
Even finding where to start takes more time than the incident itself.
No wonder many valid claims never get submitted, people give up before they begin.
The truth: most of the confusion isn’t about coverage. It’s about navigation, finding the right next step fast.
🧭 2. What every claim really needs
Every successful claim comes down to three things:
Step | What You Need | Common Mistake |
1️⃣ Proof | Receipts, booking confirmation, medical report | Forgetting to keep digital copies |
2️⃣ Timing | Filing within the allowed claim window (often 30–60 days) | Missing deadlines |
3️⃣ Policy Match | The exact coverage clause that applies | Not knowing your plan includes it |
The process isn’t complicated: it’s just hidden.
3. Forgettable removes the hidden layer
When you upload a policy to forgettable, you don’t need to read or interpret anything. Our AI reads the fine print for you and surfaces only what matters:
✅ What’s covered
📅 How long you have to claim
🧾 What documents you’ll need
📞 Where and how to submit the claim
No PDFs, no jargon, just a simple, step-by-step path.
It’s like having a claims concierge inside your phone.
4. Real-world example
Scenario: You’re in Tokyo, your flight home gets delayed by 10 hours. You remember your credit card might include travel insurance, but you’re not sure.
In forgettable:
You open your app.
Select your card → “Trip delay coverage: up to $1,000.”
Tap “How to claim” → it shows:
Claim deadline: 30 days
Required docs: airline confirmation, receipts
Link to the claim form and email of the insurer
You file it before boarding: done. No searching, no reading, no missed deadline.
That’s the new standard for using insurance: clear, guided, and instant.
5. Why most claims fail, and how forgettable fixes it
Claim Failure Reason | What Happens | Forgettable’s Fix |
You didn’t know you were covered | Benefit never used | Shows all hidden cover instantly |
You missed the claim window | Denied claim | Shows you all the requirements |
You couldn’t find the form | Gave up halfway | Links exact claim page & contact |
You misread the T&Cs | Wrong submission | AI reads and translates your PDF for you |
Forgettable’s goal isn’t just to explain insurance, it’s to make it usable.
6. The future of claims: clarity, not complexity
For decades, insurance has been designed around paperwork and patience. But the next generation expects something else: speed, transparency, control.
Forgettable’s vision is to turn insurance from a file in your inbox into a living, usable tool: one that helps when it matters, without the friction that makes most people give up. Insurance only matters when it works. Forgettable makes sure it does.
⚡️ Try it now
Upload your policy, and see exactly how to claim. No submitting and hoping for the best
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