Know Before You Go

So you’ve purchased your travel insurance plan, and you’re ready to go. Now what?

A Traveler’s Insurance Documents

Make sure you bring proof of coverage with you on your trip.  Take a copy of your travel insurance policy, which should list your summary of benefits and policy number on it, as well as any travel insurance card(s) issued to you.  It’s also a good idea to leave a copy of these documents with someone at home.  Many of these items are accessible online, but it doesn’t hurt to have a physical copy with you just in case.

Emergency or Travel Assistance

Our partners offer 24-hour assistance, so always have the contact numbers for the company that issued your policy.  You can contact the carrier at any time with any questions, whether you need to locate a doctor, have a question about currency, or need help understanding your policy.  Pay attention to which numbers are for emergency and which ones are for customer service or claims.  Also note that you will probably have to call collect when outside the U.S.

Claims

Dealing with a travel medical insurance claim can vary with each carrier and can be frustrating, so make sure you know your carrier’s procedure for filing a claim and where to find a claims form, if necessary.  The most important thing you can do while on your trip is keep a record of all medical bills and/or payments, receipts from hotels or meals during a trip delay.  Even if you think you don’t need it, keep it anyway.

Make sure to file a claim as quickly as possible!  The longer you wait to file your claim, the longer it takes to get money back into your pocket.

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