September 23, 2019

How to submit a travel insurance claim

Here is everything you need to know to submit a travel insurance claim if you experience health issues abroad.

1. Contact assistance services

Call your insurance company’s assistance services before obtaining a medical treatment or service or filling out a medical consent form.

The number is located on your insurance card or in your policy.

Assistance services will guide you to the physician, clinic or hospital able to provide you with the emergency care you need.

This allows you to simplify your claim and avoid any unpleasant surprises.

If you are unable to call your insurer’s assistance services, ask a travel companion to do it for you.

If it is a traffic accident

You must first submit a claim to the relevant organization in your province if you are covered by your province’s auto insurance.

If it is a work-related accident

You must first submit a claim to the workers’ compensation board in your province.

2. Submitting a claim

Every insurance company has its own rules when it comes to filing a claim.

Some will send you the appropriate claim form duly filled out, while others allow you to make an online claim.

So take the time to learn the way your insurance company operates, but do not wait too long to submit your claim. Many companies set a maximum time limit to do so.

What supporting documents are required?

In addition to the claim form, the insurer will need all the following original documents:

  • Medical reports, including diagnosis and treatment
  • Medical expense invoices
  • Lab results
  • Credit card or bank statement as proof of payment
  • Invoices for other treatment-related expenses incurred: transportation, accommodations, food, etc.

You should therefore recognize the importance of keeping all documentation associated with your health issues abroad. You can send these documents to your insurance company if it requires them for reimbursement.

3. Analysis of your claim

The insurance company will review your claim.

It will contact you if additional supporting documents or information are required.

It will assess the coverage to which you are entitled and determine the amount of compensation you could be eligible to receive.

Generally speaking, this process happens within 30 days of your file being deemed complete.

4. Decision

After assessing your claim, the insurance company will send a letter informing you of its decision.

It will usually mail a cheque if you are eligible for compensation.