When it comes time to file a claim, you want to be fully prepared to expedite the claims process. The following are some tips starting from the time a situation first arises until you submit your claim.
For pre-trip cancellations due to sickness or illness, you will need to see a doctor and obtain documentation that you are too ill to travel. This could include a full diagnosis or a “Physician’s Statement”.
You need to prove to the insurance company that a doctor told you you could not take your trip, thereby making the cancellation a covered claim.
This is true even if you have a pre-existing condition, have purchased the pre-existing medical condition waiver, and know how to treat your condition. Again, it’s about proving it to the insurance company. Knowing you have to cancel simply isn’t enough.
You may have a medical emergency during your trip as well. If the situation is an immediate emergency, please seek medical attention as soon as possible.
While it is important to contact your travel insurance company as soon as possible, you also want to take care of immediate medical concerns first.
Once the emergency is under control, contact the insurance company as soon as possible and inform them of the situation. They will be able to provide guidance regarding the best hospital to receive care, arranging care and transportation, and even serving as translator in foreign countries.
They will also tell you what documentation you will need to make a successful claim.
Claims and claim questions should be made directly with your travel insurance company.
Do not make assumptions about your coverage and claims. Make sure you are taking the correct steps by calling the travel insurance company and informing them of the situation.
They will be able to advise you in regards to treatment, documentation, and how to expedite the process.
In addition, travel insurance companies provide 24/7 assistance to help you when you need it.
Take advantage of this service. They will contact local medical facilities on your behalf and make arrangements. They can also provide translation services, if needed.
It is very important to save documentation for everything you can. The insurance company will obviously need proof of expenses, amounts you have paid, and any refunds you may have received.
The more documentation the better.
Also keep track of personnel you deal with at the insurance company, including an operator number or first and last name.
|US Travel Insurance Association Member||Yes|
|Refund Policy||14-day Free Look Period|
|Travel Insurance Plans||Package plans
Bridge most popular plan
|Company Contact Information||MH Ross Travel Insurance Services
9225 Ward Parkway, Suite 200
Kansas City, MO 64114
|Travel Assistance/Emergencies||Inside US/Canada: 1-800-555-9095 (toll free)
Outside US/Canada: call operator & connect to 1-603-894-4710 (no charge)
Damian Tysdal is the founder of CoverTrip, and he believes travel insurance should be easier to understand. He started the first travel insurance blog in 2006.