Claims Assistance
Every travel insurance 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 travel insurance 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.
If you are unsure or unable to find the contact information for your provider, please contact us using the form below – we will be glad to assist.
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.
Learn more about how to file a claim due to trip cancellation in our dedicated video:
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 travel insurance claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that SoVenture emails to the primary traveler.
Sometimes, a claim is denied by the travel insurance company. When this happens, SoVenture customers have the option to have their travel insurance claim reviewed by one of our Anytime Advocates®.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
