Claims

What documentation do I need to give my provider if a doctor says I can’t travel due to sickness?

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Short Answer
If a doctor recommends you don’t travel due to an illness or injury you will need to provide adequate supporting documentation. Typically, a doctor’s note advising not to travel will be requested, as well as your medical records, to verify you were healthy when the policy was purchased, but became sick before your departure.

More Detail
If you cannot travel due to an illness or injury of yourself, a traveling companion, or a family member, adequate supporting documentation from a licensed physician will be requested by your provider’s claim department.

Typically, a doctor’s note advising not to travel will be requested, as well as the medical records of the person receiving medical treatment, to verify they were healthy when the policy was purchased and became sick before departing.

While different providers will have different requirements, you can generally expect to have the medical records of the person receiving medical treatment checked, before the cancellation claim is paid. These records must prove they were healthy when the policy was purchased, but unhealthy before the departure for your trip, at the time of the cancellation. Travelers who cancel due to an illness or injury must have documentation by a doctor, confirming the illness or injury, and advising them not to travel.

If the illness preventing the traveler from taking their trip was known prior to purchasing the policy, only travelers with the Pre-Existing Condition waiver may be covered to cancel.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!

 

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