Claims Assistance
Every claims situation is going to be different, and so there are a few differences in how you will need to respond to them. Please keep in mind that if an emergency arises, contact your insurance company as soon as reasonably possible!
Each policy includes a claims phone number and 24-hour assistance phone numbers for both inside and outside of the United States, ensuring that you can get in touch with your insurer at any time. If you are traveling internationally you will need to make a collect call with the out-of-country emergency number.
If you are unsure or unable to find the contact information for your provider, please contact us using the form below – we will be glad to assist.
In a case where you are going to have to cancel your trip prior to departure, contact your insurer immediately. They will advise you on how to proceed with filing the claim and will also inform you of what documentation they will need to see.
Learn more about how to file a claim due to trip cancellation in our dedicated video:
If a medical emergency arises while you are traveling, again you will want to contact the company as soon as reasonably possible. The reasons for this are two-fold:
- Some companies will require pre-certification, or that you contact the company before receiving medical treatment or having an evacuation performed. Naturally, if you’re in a dire medical emergency you would want to seek care immediately and worry about claims once you’re stable.
- You will need to know what documentation will be most important for you to have with you before returning home.
One fact that cannot be stressed enough is to save your receipts and proof of expenses so that you can be accurately reimbursed, whether it be costs due to a delay of travel for hotel or meal, or medical records for emergency treatment received. This is especially important for medical care received overseas, as it can be incredibly difficult to get this paperwork once you have returned home. For filing a claim, nothing is more important than having accurate documentation for your loss.
After a provider pays a claim to a traveler, they will typically “subrogate” to seek reimbursement from any other collectible sources that may be available. These other sources could be other insurance policies or travel suppliers to recoup some or all of the claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that InsureMyTrip emails to the primary traveler.
Sometimes, a claim is denied by the travel insurance company. When this happens, InsureMyTrip customers have the option to have their claim reviewed by one of our Anytime Advocates®.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Ask a Question
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Question
Do the listed prices cover the trip ( two people) or is the price per person on the trip?
By AURORA - March 14, 2018
Answer
The price for the insurance is total for all travelers listed, not per person.
By MattG - March 15, 2018
Question
Can I purchase insurance after I have bought my airline tickets already? Or do I have to have it before I purchase tickets?
By JasonL - September 18, 2018
Answer
As long as you have made a payment or deposit, or any financial commitment towards the trip, you can purchase a comprehensive policy. You can purchase most policies up until the day before departure, however; you may not be eligible for some time sensitive benefits if you do not purchase within 10-21 days of the initial trip deposit/payment. Some time sensitive benefits are, but not limited to: Pre-Existing Condition Waiver, Financial Default, Terrorism, Cancel For Any Reason and Cancel For Work Reasons.
By MattG - September 19, 2018
Question
Must you submit a claim to your medical health insurer first, before submitting claim to travel insurance carrier?
By DebbieM - January 18, 2019
Answer
If the travel insurance policy that you purchase offers benefits that are listed as "secondary", you would first file a claim with your existing insurance first before filing a claim with the travel insurance provider. Primary coverage will pay FIRST, before any other collectible insurance. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted.
By MattG - January 19, 2019
Question
If you have to cancel your trip due to a pre-existing condition, will you still get reimbursed?
By Vivian - November 19, 2019
Answer
Most Comprehensive Plans will offer a waiver of pre-existing conditions if you meet the following conditions: You purchase the policy within 10 - 21 days of making your first trip payment; insure ALL prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy. To view policies that include this coverage, please click the "pre-existing conditions waiver" filter on the quote results page.
By MattG - November 20, 2019
Question
traveling out of country but no primary health medical insurance covering abroad, will your medical secondary insurance provide coverage for a medical problem abroad like an appendix attack or a bad flu?
By DavidA - March 9, 2020
Answer
Travel insurance plans that include emergency medical coverage are designed to cover you for unforeseen illness or injury that occurs during your trip. It is important to review any pre-existing condition look-back periods as well as other coverage exclusions.
By Meghan - March 12, 2020
Question
Does your Travel Guard policy reimburse for the non refunded portion of Prepaid Stays with VBRO and Airbnb? The Corona Virus has us effectively locked down.
By MarthaE - March 15, 2020
Answer
We can only suggest looking into "cancel for any reason" as this is considered foreseen at this time. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted. To view policies that offer this benefit, if you qualify, click on the "cancel for any reason" filter on the left side of the quote results page. If you are outside that time frame this benefit is not going to be available.
By MattG - March 16, 2020
Question
Does cancel for any reason cover travel cancellation or the Corona Virus?
By KarlaC - March 17, 2020
Answer
You can cancel for any reason whatsoever with this benefit, as long as you qualify. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 - 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG - March 17, 2020
Question
What happens if my travel agency goes out of business with out paying for my trip ?
By RobertL - March 25, 2020
Answer
Typically, comprehensive plans do not cover the bankruptcy or financial default of the travel agency that you purchased your travel arrangements through. Some plans may include Financial Default coverage for the default or bankruptcy of a travel supplier (airline, cruise line, tour operator) which causes complete cessation of travel services, and no other transportation is available. There are a few eligibility requirement associated with financial default coverage, meaning you may need to purchase your plan within 10-21 days of making your initial trip payment, and this particular coverage typically goes into effect 10-14 days after the policy becomes effective.
By Meghan - March 26, 2020
Question
How long after a trip/flight is cancelled can you file a claim?
By WilliamM - March 24, 2021
Answer
This can vary between each policy. The specific amount of days you have to notify the insurance company of your loss and the amount of days you have to submit proof of loss will be listed in the policy certificate.
By MattG - March 25, 2021
Question
I am going on a cruise. Can I buy insurance, for the total estimated cost for all non-refundable purchases, prior to making all arrangements, i.e., flight, hotel?
By CarynW - May 5, 2021
Answer
Yes, if you want to estimate your total prepaid non-refundable trip cost and insure that amount up front, that is not an issue at all. Or, you can insure what you have paid for to date and any known costs, and once you make subsequent payments towards the trip prior to departure, you can contact us and update your existing policy accordingly.
By MattG - May 5, 2021
Question
If I am traveling with someone who is a friend and does not live at my residence should we each get our own policy or can we be on the same policy?
By BarbaraC - June 28, 2023
Answer
If you live in the same state and travel on the same dates, you can be listed on the same policy together with most providers. Otherwise, you will need to obtain separate policies.
By MattG - July 1, 2023
Question
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By Johnna - December 11, 2024