Travel Insurance Claims

Involving your travel insurance provider right away can prevent miscommunication. This way, your provider can inform you if there are any steps you need to take or documentation you need to collect in order to file your claim. It is often much easier to get the proper documentation from your airline or an overseas hospital right away than days or weeks later when you’re back home.

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The provider will send you a claim form, which you will need to fill out with the details of your claim. You will also need to send documentation to support the reason for your loss and show the expenses for which you are seeking reimbursement. These documents may include items such as copies of your itinerary, tickets, receipts, and proof of any refunds provided or cancellation penalties incurred.

After you submit your claim form and supporting documentation, your provider’s claims department will contact you if additional information is required. Otherwise, they will begin to process your claim, which typically takes 2-4 weeks.

Once your claim has been processed, you will typically receive reimbursement by check. You will also receive a travel insurance claim letter or email detailing your claim and relevant coverage. This will include an account of what you are being reimbursed for, or an explanation of why your travel insurance claim has been denied.

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After you report your claim, your provider will send you a claim form to complete, usually by mail or email. You need to submit this claim form and supporting documentation before your provider can process your claim. Once you’ve submitted this documentation, it typically takes the travel insurance company 2-4 weeks to process your claim. More complicated claims could take up to 8 weeks to process.

During this time, the claims department will contact you if they have any questions or require additional documentation. If nothing further is required, you may not receive an update until your travel insurance claim is processed. However, you may contact the claims department at any time to follow up on the status of your claim.

After your claim is processed, it may take up to 7-10 business days to receive your check for reimbursement.

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Travel insurance policies are designed to reimburse you for your expenses, so you will need to provide proof of payment. Make sure you hold onto all receipts and documentation related to any expenses you may need to claim for.

The types of supporting documentation you may be asked for varies depending on the type of claim you are filing.

For Trip Cancellation or Interruption claims this may include:

• Cancellation notice from your travel supplier showing the date you canceled and whether any refunds were provided
• Receipt, email confirmation, e-ticket or credit card statement showing your original purchase, including when it was purchased and how much was paid
• Providers may ask for confirmation of your original travel arrangements because it can affect your eligibility for certain time sensitive benefits, such as pre-existing condition coverage
• Proof of the reason for cancellation, such as a physician statement that your illness or injury required you to cancel or interrupt your trip
• Statement from your physician that you were medically stable to travel when you purchased your policy, if canceling for medical reasons
• Receipts for additional transportation expenses, if applicable, for Trip Interruption claims

For Travel Delay claims this may include:

• Original itinerary and updated itinerary
• Statement from the travel supplier confirming your delay, including how long you were delayed and the reason for the delay
• Receipts for additional expenses, such as meals or accommodation

For Baggage and Personal Items Loss or Delay claims this may include:

• Property or regularity report from the airline showing your baggage was delayed
• Confirmation of when you received your delayed luggage to verify length of delay
• Receipts for additional expenses incurred during the delay
• Police report in the case of stolen items

For Emergency Medical claims this may include:

• Medical report, including the diagnosis, date of service, and amount charged
• Medical authorization form (may be required if provider needs to follow up with your physician for medical records)

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