 | Phone: (800) 243-3174, Option 2 then Option 3 Weekdays, 8:00 AM – 7:30 PM EST |
 | E-mail: claims@travelinsured.com |
 | Mail: Travel Insured International P.O. Box 6503 Glastonbury, CT 06033-6503 |
Claims Information
Claims Questions?
(800) 243-3174
Option 2 then Option 3
Available 8:00 AM – 6:00 PM EST, Weekdays
Emergency Assistance
(800) 494 – 9907 Toll Free in the US and Canada
(603) 328 – 1707 Collect outside of the US and Canada
Start a Claim
To start a claim visit - https://www.travelinsured.com/claims/
Upon notification of your claim, Travel Insured will ask a series of questions to understand the details and determine the information they will need to complete the claim review.
Next, Travel Insured will send you a claim package that provides the forms, request for information, and instructions needed to submit your claim.
Travel Insured reviews the information to make sure they have what they need to move forward. If additional information is needed to complete the claim, a Claims Analyst will notify you for additional information.
If the claim is payable, the plan holder will be notified that they claim payment has been initiated and a check will be mailed.
If the claim is not payable, a Claims Analyst will contact the plan holder to discuss claims findings and offer the opportunity to provide additional information and appeal. If no additional information is available a letter will be mailed to the plan holder.
For Claims Status visit - https://www.travelinsured.com/claims-guest/status/verify or call (855) 752 – 8303 Option 3 Monday – Friday 8:00 AM – 6:00 PM EST.
Should you have any questions, are unable to download the claim packets, or require assistance, please contact us. We make every effort to ensure the information on this page is complete and accurate. If there is a conflict with the information on this page and the policy, the terms and information on the specific written policy will supersede.
Additional Info
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.
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.
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 Travel Insurance Master emails to the primary traveler.
Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.
To facilitate prompt claims settlement:
TRIP CANCELLATION/TRIP INTERRUPTION: IMMEDIATELY Call Your Travel Supplier and Travel Insured International to report Your cancellation and avoid non-Covered Expenses due to late reporting. Travel Insured International will then advise You on how to obtain the appropriate form to be completed by You and the attending Physician. If You are prevented from taking Your Covered Trip due to Sickness or Injury, You should obtain medical care immediately. We require a certification by the treating Physician at the time of Sickness or Injury that medically imposed restrictions prevented Your participation in the Covered Trip. Provide all unused transportation tickets, official receipts, etc.
TRAVEL DELAY: Obtain any specific dated documentation, which provides proof of the reason for delay (airline or Cruise line forms, medical statements, etc).
MEDICAL EXPENSES: Obtain receipts from the providers of service, etc., stating the amount paid and listing the diagnosis and treatment. Submit this documentation along with Your Covered Trip itinerary and all receipts from additional expenses incurred.
BAGGAGE: Obtain a statement from the Common Carrier thatYour Baggage was delayed or a police report showing Your Baggage was stolen along with copies of receipts for Your purchases.
PAYMENT OF CLAIMS
Notice of Claim: Notice of claim must be reported within 20 days after a loss occurs or as soon as is reasonably possible. You or someone on Your behalf may give the notice. The notice should be given to Us or Our designated representative and should include sufficient information to identify You .
Claim Forms: When notice of claim is received by Us or Our designated representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by You sending Us a written statement of what happened. This statement must be received within the time given for filing proof of loss. Claim Procedures: Proof of Loss: Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity. Payment of Claims: When Paid: We, or Our designated representative, will pay the claim after receipt of acceptable proof of loss.
Payment of Claims: To Whom Paid: Benefits for loss of life will be paid to Your designated beneficiary. If a beneficiary is not otherwise designated by You, benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:
a) Your spouse;
b) Your child or children jointly;
c) Your parents jointly if both are living or the surviving parent if only one survives;
d) Your brothers and sisters jointly; or
e) Your estate.
All other Benefits will be paid directly to You, unless otherwise directed. Any accrued benefits unpaid at Your death will be paid to Your estate. If You have assigned Your benefits, We will honor the assignment if a signed copy has been filed with us. We are not responsible for the validity of any assignment. All or a portion of all benefits provided by the Policy may, at Our option, be paid directly to the provider of the service(s) to You . All benefits not paid to the provider will be paid to You .
If any benefit is payable to: (a) an Insured who is a minor or otherwise not able to give a valid release; or (b) an Insured’s estate, We may pay any amount due under the Policy to Insured’s beneficiary or any relative whom We find entitled to the payment. Any payment made in good faith shall fully discharge Us to any party to the extent of such payment.
Subrogation: If the Company has made a payment for a loss under this Policy, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. You shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event You recover damages from the Third Party responsible for the loss,You will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss.
