Travellers are failing to lodge claims for overseas incidents because they view the process as too laborious, a TravelCard survey has found.

Among respondents who paid for medical costs overseas, 55% did not make a claim on their return.

About 82% of travellers say they have had issues with the process, with 44% criticising claims for involving too much paperwork.

Some 32% say claims are only partially reimbursed and 31% think they take too long to settle.

TravelCard, which has introduced a policy that pays claims in real time, says 1000 people were surveyed about incidents overseas and “pain points” with insurance providers.

Travellers are most likely to claim when they are forced to cancel a trip before departing.

The most common incidents during trips are delayed flights, receiving medical treatment, losing and damaging goods and suffering thefts.