If you experienced any problems during your trip and need to file a claim, you can do it here on our website or by calling our toll free number 877-219-8169. We are your insurance agent, so we will forward your claim directly to the insurance company for processing. The insurance companies, who’s products we sell, process their own claims. They are in complete control of the administration and decisions on their claims, but we can often help you document the claim better or understand the coverage provisions.
We don’t have access to your claim information to maintain your privacy, but with your permission, we can assist you in the event of problems with a filed claim. Many times it is a simple matter of better documentation to get the claim processed.
If you have any problems or questions about your claim, send us an email to support@tripinsurance.com and we can speak with the insurance company’s claims department on your behalf.
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:
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:
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).
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).
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).
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 Arch 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.
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).
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).
