Travel Insurance Claims Procedures

For all claims procedures, no matter which insurance provider, you need to keep the following things in mind:

#1. In the event of an emergency, you MUST call your insurance company as soon as possible so as not to negate or reduce any allowable coverage defined in your policy.

Some insurance companies reduce your coverage if you don't contact them within a specified time. In some cases, expenses not pre-approved by the claims center may not be covered. These companies do this to control costs and ensure you receive early, optimal care, which is more cost-effective. They may even choose to fly you home for treatment if it's deemed safer and more cost-effective than receiving care abroad. Calling the claims center early allows them to guide you through the best medical options, which can benefit both you and the insurer. The companies featured on this website all offer 24/7 service.

#2. As soon as the reason for a claim arises, you should re-read your policy, to make certain that you are aware of what you will be asked for in order to submit your claim.

Some things you will be asked for are obvious only when you re-read your policy's claims procedures.

#3. You are responsible for following the claims procedures spelled out in your policy. To make this easy for you, please carry your policy number with you, along with the emergency numbers to call, and have a copy of your policy document with you for reference.