Travel Insurance Claims: File & Review Online

File A New Claim

Most customers prefer the convenience of filing the claim form online. If you'd prefer to call us and file the claim over the phone, please call toll free: 877-219-8169. If you're outside the USA or Canada, and need travel assistance or help with a claim, call: 603-328-1908.

Claims for individuals and family members living in the same household may be reported online together. Family members living in different households, unrelated individuals or traveling companions must report their claims separately. In order to report your claim(s) online, you'll need the following information:

  1. Your Plan Number which is found in the Plan Certificate;
  2. The departure and return dates of your scheduled trip;
  3. If you booked through a travel agency - the agent's name, address, & phone number
  4. Depending upon the type of claim(s) you're reporting, see the additional documentation that may be required listed below.
Report A Claim

Review Claim Status

You can review the status of your claim and claims of family members living in the same household. To review the status you'll need the following information:

  1. Your Plan Number which is found in the Plan Certificate;
  2. Your First and Last Name; and
  3. Your Claim ID, which is found on your completed claim form in the mailing address area to the right of your name.
View Status of a Claim

Additional Required Claim Documentation

Please select the type of claim that you are reporting from the list below, to review the documentation required.

Pre-Departure Trip Cancellation

You had to cancel your trip prior to departure.

Payment Information - a copy of your trip itinerary and copies of all invoices, credit card statements and canceled checks evidencing your payment for the trip.

Refund Information - original unused non-refundable tickets; copies of invoices, credit card statements or other written documentation substantiating the non-refundable costs for your trip (retain originals for your records); and a copy of the travel supplier's literature that details the cancellation terms and conditions (i.e. penalties accessed when a trip is canceled). All refundable airline tickets should be sent to the issuing party for the appropriate refund. Submitting refundable airline tickets to our office may delay your claim.

Cause of Your Trip Cancellation - any documentation substantiating the reason you canceled your trip (i.e. such as a death certificate in the event death; for a sickness or injury, signed Attending Physician Statement and Authorization for Release of Information forms which are included with your claim form).

Post-Departure Trip Interruption

You had to return home early from your planned trip, you arrived late on your trip and missed prepaid arrangements and/or your trip was interrupted and you incurred additional travel expenses to catch up/continue on your trip.

Payment Information - a copy of your trip itinerary and copies of all invoices, credit card statements and canceled checks evidencing your payment for the trip.

Refund Information - original unused non-refundable tickets; copies of invoices, credit card statements or other written documentation substantiating the non-refundable costs for your trip (retain originals for your records) and a copy of the travel supplier's literature that details the terms and conditions (i.e. refunds given when a trip is interrupted). All unused refundable airline tickets should be sent to the issuing party for the appropriate refund. Submitting refundable airline tickets to our office may delay your claim.

Expense Reimbursement - any documentation of expenses for which you are requesting reimbursement, such as: tickets, receipts, and bills (retain originals for your records).

Cause of Your Trip Interruption - any documentation substantiating the reason you interrupted your trip (i.e. such as a death certificate in the event death; for a sickness or injury, signed Attending Physician Statement and Authorization for Release of Information forms which are included with your claim form).

Travel Delay

During your trip, travel was delayed and you incurred additional hotel, meal, or local travel expenses during the delay.

Trip Information - a copy of your trip itinerary showing your daily activities during your trip.

Expense Reimbursement - any documentation of expenses for which you are requesting reimbursement, such as: receipts for additional hotel, meal, local transport and/or telephone calls during your delay (retain originals for your records).

Cause of Your Travel Delay - any documentation substantiating the reason you interrupted your trip (i.e. such as documentation from the airline or other carrier detailing the cause of your delay; or for a sickness or injury, documentation of treatment for the cause of your delay).

Medical Expense

You incurred medical expenses for a illness or injury which occurred on your trip.

Additional Forms - a signed "Authorization for Release of Information" form (included with your claim form).

Expense Reimbursement - copies of itemized bills and/or statements from medical providers for services rendered in connection with your claim (retain originals for your records). These bills and/or statements must include the date of service, the service rendered, the charge for each service, and the diagnosis.

Other Insurance or Benefits - (For policies issued by US Fire Insurance Company or BCS Insurance Company only) a copy of an Explanation of Benefits Statement or other evidence of payment, denial of benefits, or claim status (retain originals for your records) from your primary health insurance provider. FOR U.S. MEDICARE PARTICIPANTS: If you are covered under a Medicare Supplement Policy, you must submit any incurred charges to your Medicare supplement carrier.

Baggage

Your personal possessions and/or baggage were lost, stolen, damaged or destroyed while on your trip.

If loss or damage to your property occurred while in the care of a public carrier (airline, busline, taxi, ship, etc.) or other responsible party (hotel, restaurant, etc.), you must provide us with evidence of payment, claim denial, or other disposition from the responsible party (retain originals for your records).

For repaired luggage, please submit your luggage repair bill.

For items damaged beyond repair, you must provide the date of purchase, a fully completed Statement of Non-Repairability (included with your claim form), and a written statement of current replacement cost from a retailer (retain originals for your records).

For items lost or stolen, you must provide the date of purchase. If you are not sure of the exact date, provide the month and year of purchase.

For items over $50.00 in value which have been lost or stolen, you must provide documentation of the original purchase price. If the original receipt is not available, benefits will be calculated based upon 75% of the Actual Cash Value at the time of loss. For items older than one year, you must supply a written statement of current replacement cost from a retailer (retain originals for your records).

Baggage Delay

Your baggage was delayed during your trip and you incurred expenses for the purchase of necessary clothing or personal articles.

If the delay of your baggage occurred while in the care of a public carrier (airline, busline, taxi, ship, etc.) or other responsible party (hotel, restaurant, etc.), you must provide us with evidence of payment, claim denial, or other disposition from the responsible party (retain originals for your records).

Attach all receipts for additional clothing and personal articles purchased during the delay (retain originals for your records).