Travel Insurance Claim Guide:Steps to Making a Medical Claim

Health insurance accident claim form with stethoscope, Medical concept.

Having a comprehensive travel insurance policy that includes coverage for medical expenses is essential when planning any trip. Furthermore, understanding the claim process and following the necessary steps, you can ensure that you receive the reimbursement.

Have you ever found yourself in a foreign country, experiencing a medical emergency, and unsure of what to do next? It can be a stressful and overwhelming situation, but with travel insurance coverage, you have the peace of mind of knowing that help is just a phone call away.  

What is a Travel Insurance Claim?

When you purchase travel insurance, you are buying a policy that will protect you financially in the event of an unforeseen problem while traveling. Therefore, if you need to cancel your trip, are injured or become ill while on your trip, or have your belongings lost or stolen, travel insurance can help reimburse you for your expenses. To claim on your travel insurance policy, you will need to contact your insurer and provide them with documentation of your expenses and the reason for your claim.


    Most travel insurance policies have a 24-hour hotline that you can call to start the claims process. Moreover, you will also need to fill out a claim form and submit it to the insurer, along with any supporting documentation. Once the insurer receives your claim, they will review it and determine if you are eligible for reimbursement. If your claim is approved, you will receive a check in the mail for the number of your covered expenses.

    It is important to read over your travel insurance policy before purchasing it so that you understand what is covered and what is not. However, some policies have strict requirements for making a claim, so it is important to be familiar with the process before you need to use it.

    What Documents should you Keep to Make a Claim?

    If you’re planning to make a medical claim on your travel insurance, there are a few documents you’ll need to have to make the process as smooth as possible. Here’s what you’ll need:

    1. A completed and signed claim form from your insurer – this can usually be found on their website or obtained from their customer service team.

    2. A detailed medical report from your treating doctor or hospital – should include information on your diagnosis, treatment, and prognosis.

    3. Any supporting documentation such as receipts for medical expenses or prescriptions.

    4. A copy of your travel itinerary or ticket confirmation, if applicable.

    5. Any other relevant documentation that you think might be helpful in support of your claim?

    By having all of these documents ready, you’ll be able to submit your claim quickly and efficiently and increase the chances of it being accepted and paid out without any delays.

    How to File a Travel Insurance Claim?

    If you’re planning a trip, you may be wondering if you need travel insurance. But it depends on the cost of your trip and your health insurance coverage, travel insurance may be a good idea. If you do purchase travel insurance, it’s important to know how to file a claim if you need to. Here are the steps to follow to file a medical claim with your travel insurer:

    • Contact your travel insurer as soon as possible after receiving medical treatment. Gladly, most insurers have a 24-hour hotline that you can call.

    • Ask the customer service representative for a claims form. Some insurers allow you to file your claim online, but others require that you submit a paper form.

    • Fill out the claims form completely and accurately. Be sure to include all pertinent information about your medical treatment, such as the dates of treatment, the names of the treating physicians, and the diagnoses or procedures performed. Also, you will need to provide an itemized list of all expenses related to your treatment, including hospital bills, prescriptions, and air ambulance charges (if applicable).


    • Submit the completed claims form along with any required documentation (such as bills or receipts) to your travel insurer. Keep copies of everything that you submit for your records.

    • Once your claim has been received, it will be reviewed by a claims adjuster. The adjuster will determine whether or not your expenses are covered under your policy and will calculate the reimbursement

    How to Submit Documents for Your Travel Insurance Claim?  

    To submit a claim for your travel insurance, you will need to gather all of the necessary documentation. This includes; 

    • Any receipts

    • Bills

    • Other documentation related to your medical treatment. 

    • Fill out a claim form, which you can get from your insurance provider. 

    Once you have all of the required documentation, you can submit it to your insurance provider either online or by mail.

    Assessing if you are Eligible to Claim

    There are a few things you need to take into account when assessing if you are eligible to claim your travel insurance policy. The first is the type of policy you have. There are two main types of travel insurance policies – comprehensive and basic. Comprehensive policies usually cover you for a wider range of situations, including medical emergencies, than a basic policy. As a result, if you have a comprehensive policy, it’s more likely that you’ll be covered for a medical emergency than if you have a basic policy.


      The second thing to consider is the cause of your illness or injury. Most travel insurance policies will cover you for medical emergencies that occur suddenly and unexpectedly, such as falling ill with an infection or being injured in an accident. However, some policies will exclude coverage for pre-existing medical conditions or illnesses that develop gradually over time. So, if your illness or injury is due to a pre-existing condition or something that developed gradually, it’s less likely that you’ll be covered by your travel insurance policy.

      You need to consider the cost of your treatment. Most travel insurance policies have limits on how much they’ll pay out for medical treatment, so if the cost of your treatment exceeds this limit, you’ll have to pay the difference yourself. It’s important to check the details of your policy before you travel so that you’re aware of any limits on how much your insurer will pay out.

      Gather Necessary Documents 

      When making a medical claim with your travel insurance provider, you will need to gather all the necessary documents to have your claim processed. These documents include:

      1. Your travel insurance policy document

      2. A copy of your passport

      3. A copy of your tickets or itinerary

      4. Any medical reports or records from your doctor or hospital

      5. Bills from your doctor or hospital

      6. Prescription receipts

      7. Any other documentation that may be required by your insurer

      If you have any questions about what documents you will need to provide, you should contact your travel insurance provider directly. They will be able to advise you on what is required to process your claim.

      Understanding Your Policy’s Benefits 

      Your travel insurance policy is there to help you if you get sick or injured while traveling. But, like any insurance policy, it can be confusing to understand all the details. This guide will help you understand your policy’s benefits so that you can make a successful medical claim.

      Most travel insurance policies cover medical expenses if you become ill or injured while traveling. This includes things like hospital stays, doctor’s visits, and prescription medications. Some policies will also cover evacuation back to your home country in the event of a serious illness or injury.


        Before you make a claim, it’s important to check the details of your policy. Some policies have limits on how much they will pay for medical expenses. Moreover, others have exclusions for certain types of illnesses and injuries. Make sure you understand what is covered by your policy before you make a claim.

        If you need to make a claim, the process is usually fairly simple. Start by contacting your travel insurance provider and let them know that you need to make a claim. They will usually have a claims form you must fill out and submit. Be sure to include all relevant information, such as dates of treatment and medical bills.

        Once your claim is submitted, the travel insurance company will review it and determine whether or not it is covered under your policy. If it is approved, they will send you a check for the amount of the covered expenses.

        Resolving Disputes and Denied Claims

        If you have a dispute with your travel insurance company or if your claim is denied, there are steps you can take to resolve the issue.

        1. Try to resolve the issue directly with the company. However, if you are unable to do so, you can file a complaint with the state insurance department where the company is licensed.

        2. You can also file a complaint or seek legal advice. 

        3. In the worst case, you may need to take your dispute to court. If you do, make sure you have all the evidence and documentation you need to support your case.

        4. Look at the reason for the denial. Often, claims are denied because of missing or incomplete information. If this is the case, see if you can gather the missing information and resubmit your claim.

        5. If your claim is denied because the insurer feels you should have known about a pre-existing condition, appeal the decision by providing additional information about your health history. 

        If you’re still not satisfied with the outcome, you can file a complaint with your state’s insurance department.

        Ideas for Getting the Most out of Your Travel Insurance Coverage    

        There’s nothing worse than being abroad and getting sick or injured. But with the right travel insurance coverage, you can rest assured that you’ll be taken care of. Here are a few tips for getting the most out of your travel insurance coverage:

        • Make sure you understand what your policy covers. Read the fine print so that you know exactly what is and isn’t covered.

        • Get in touch with your insurer as soon as possible if you need to make a claim. The sooner you start the process, the better.

        • Gather all the necessary documentation. Your insurer will need proof of expenses, so be sure to keep receipts and any other relevant paperwork handy.

        • Follow your insurer’s instructions in the letter. If they ask for specific information or documents, make sure you provide them. Not doing so could delay or even void your claim.

        Tips for Claiming Easily

        When you are claiming your travel insurance, there are a few things that you can do to make the process go more smoothly.

        1. be sure to keep all of your documentation in order. This means having your policy information, as well as any receipts or other documentation that will support your claim. 

        2. file your claim as soon as possible after returning from your trip. The sooner you file, the easier it will be to get everything in order. 

        Be prepared to provide detailed information about your medical condition and treatment when you file your claim. If you have this information ready, it will help the claims process go more quickly.But