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What You Need to Make a Travel Insurance Claim:

Important Note: These requirements vary by provider. Please refer to the terms, conditions, and exclusions contained in your insurance documents for the specific requirements of your coverage.

Travel insurance covers you both before and while you’re on your trip. Here’s what you’ll need to make a claim:

Claims involving loss due to “sickness”, “injury” or death require signed patient (or next of kin) authorization to release medical information and an attending physician’s statement.

Any serious Injury or any unforeseen serious medical condition:

1. Occurring to You or a Traveling Companion, which is so disabling as to cause a reasonable person to delay, cancel, or interrupt their Trip;
2. Occurring to a Family Member that is considered life threatening or requiring hospitalization; or
3. Occurring to a Family Member requiring Your care.

For Trip Cancellation benefits, an actual examination by a licensed Physician must take place before the cancellation is made. For Trip Interruption benefits, this examination must take place during Your Trip.

No matter what happens, you’ll need an attending physician’s statement.

Does Your Existing Medical Insurance Cover You?

• You may have a deductible of between $300 – $1000 with your existing medical insurance plan.
• After the deductible, your plan will probably pay 80% of “covered expenses”. Tip: Secondary medical coverage can cover your deductible and copays. This means you’ll be responsible for 20% of those “covered expenses”.
• You’d also be responsible for 100% of Non “covered expenses” under your travel insurance plan. Without coverage you’ll be responsible for 100% these expenses or costs.
  • Emergency Medical Transportation isn’t always covered under many medical insurance plans.
• And there’s one glaring exception to the above information:
  • Medicare may not cover you outside the USA
• Although your Medicare supplement provides some coverage, a medical emergency could still be financially devastating to you.

What’s the solution?

• Make sure your Travel Insurance plan includes coverage for medical and dental treatment associated with a medical or dental emergency incurred while traveling.
• Double-check that your Travel Insurance plan also includes Emergency Medical Transportation coverage.
  This is also known as Emergency Medical Evacuation or just Emergency Evacuation.

Helpful hints for filing a claim

• Claims involving loss due to “sickness”, “injury” or death require signed patient (or next of kin) authorization to release medical information and an attending physician’s statement.
• For Trip Cancellation benefits, an actual examination by a licensed Physician must take place before the cancellation is made. For Trip Interruption benefits, this examination must take place during Your Trip.
• No matter what happens, you’ll need an attending physician’s statement.

Here are some more items you’ll need to file a claim. Be sure to keep all items until completion of your trip.

• Receipts and itemized bills for all expenses for which you wish to be reimbursed.
• Copies of any refunds or expense allowances received from your tour operator, travel agent or common carrier.
• Any diagnosis(es) along with your itemized bills and receipts as well as an explanation of insurance payments or denials.
• Any appropriate documentation which verifies the cause of your trip cancellation or interruption.
• Original unused tickets, copies if invoices, proof of payments in the form of canceled checks or credit card statements, or a cash receipt.
• Copy of the travel supplier(s) penalty schedule(s).
• Copy of police or common carrier report which verifies the cause and duration of the delay.
• Copy of the claim determination from the common carrier or other insurance carriers, if applicable.
• Copy of the police report.

This documentation will include, but is not limited to, the following:

1. General Documentation

1. Receipts and itemized bills for all expenses.
2. Original of any refunds or expense allowances received from Your tour operator, travel agency, Common Carrier or other entity.

2. Trip Cancellation/Interruption Claims

1. Any appropriate documentation that verifies the cause of Your trip cancellation or interruption. Any explanation of diagnosis along with Your original itemized bills, receipts, and proof of other insurance payments.
2. Original unused tickets, copies of invoices, proof of payments, and other documents that substantiate the cost or occurrence of the trip cancellation or interruption.
3. Documentation of refunds received from the travel supplier(s) and/or Common Carrier(s).
4. Copy of the travel supplier(s) penalty schedule(s).
5. A letter of the tour operator or an itemized bill from the travel agent stating the non-refundable amounts of the Trip costs.

3. Baggage Delay Claims

Proof from the Common Carrier that personal Baggage was delayed or misdirected for the required time frame.

4. Collision/Loss Damage Insurance Claims

1. Original Police Report.
2. Original Rental Car Agreement.
3. An itemized statement of repairs for the rental vehicle.

5. Flight Insurance Claims

Copy of death certificate.