What kinds of documents do I need to submit for my claim?

When you notify us of your claim, we will ask a series of questions to understand the details of your claim. This will help us to determine the information we will need to complete the claim review. As a next step, we will send you a claim package that provides the forms, request for information, and instructions needed to submit your claim.

Do I need to provide original documentation for my claim?

We do not require original documentation, such as original receipts, death certificates, etc. If mailing your documents, please send us copies and retain the originals. We do not send back documentation provided.

Should I highlight information on my documentation?

No, please do not highlight anything on your documents as information could appear to be redacted. To call out information to our claims analysts in your supporting documentation, please mark with an asterisk or check mark.

What if I have questions after receiving the claims package?

You can call us at 855-752-8303 and one of our Claims Support Specialists will be happy to assist. Our office hours are Monday through Friday from 8:00 a.m. to 6:00 p.m. Eastern Time.

My airline ticket says that it's non-refundable, so why are you asking for refund information from the airline?

In certain circumstances, such as illness, hospitalization, or death of the passenger or family member, or unexpected activation/revocation of military service, airlines do issue full or partial refunds, so we need to review the exact refund provisions that your airline offers.

Why do I need to submit proof of payment?

In addition to invoices and receipts, proof of payment (credit card statement, cash receipt, or cancelled checks) is required to validate the exact claim amount.

Why do you require the Unused Trip Expense Form (for trip interruption)?

If you booked your trip through a travel agent/coordinator, the Unused Trip Expense Form is required because it breaks out airfare from land/sea travel costs and also verifies any refunds available for unused portions of your trip.

If I have already submitted the travel supplier's terms and conditions, why do I need to provide the travel supplier's refund statement as well (for trip cancellation)?

The refund statement confirms the date that the trip was cancelled and any applicable refunds from the travel supplier/agency as specified in the Terms and Conditions.

If I have already provided medical information, why are you requesting additional medical information?

If the medical documentation that you (or your attending physician) submit is incomplete or insufficient to render a decision, additional information may be requested to include, but not limited to, medical records. i.e. We may request additional information to substantiate that the medical condition is covered under your plan and, where applicable, to include pre-existing medical condition investigation.

Do I need to translate receipts that are written in foreign languages? Do I need to convert foreign currency into US dollars?

We take care of translation and necessary currency conversion. If you have paid by credit card, you can submit the credit card statement so we can reimburse the foreign transaction fee for covered expenses that the credit card has already charged you.

How can I check the status of my claim?

You can go to the Claims Status page to check if your claim has been started or paid, and you can contact our Claims Department at 855-752-8303 Monday-Friday 8:00 a.m. to 6:00 p.m. EST for additional assistance. If you have a customer profile, you can also log in to see the status of your claims.

How can I have my claims settlement made payable to someone else?

You as the claimant must provide a written statement authorizing us to pay a specific alternate party.

My address has changed. How can I have the claims payment sent to my new address?

You as the claimant must provide a statement via email ([email protected]), mail (P.O. Box 6503), or fax (1-860-430-2363) indicating your new address.

How do I appeal a claims decision that I'm not satisfied with?

You can submit a written statement (by postal mail, email, or fax) appealing the decision along with any additional supporting documentations, such as medical reports and receipts.