How to make a travel insurance claim with TripCovered

A claim is the moment your policy proves its worth. With TripCovered, the process is designed around a 24/7 assistance line, and knowing how it works before you travel makes a stressful situation far easier to handle.

Step 1: Contact 24/7 assistance first

The most important step in any emergency is to contact our 24/7 emergency assistance as early as you can — ideally before treatment begins, or as soon as it is safe. Assistance is available around the clock and in multiple languages. The team can direct you to an appropriate facility, where possible guarantee payment to the hospital so you are not paying large sums out of pocket, and open your claim on the spot. Calling early is the single biggest thing you can do to keep a claim smooth.

Step 2: Keep every record

Claims are settled on documentation, so collect it as events happen rather than trying to reconstruct it later. For a medical claim, keep itemized bills and receipts, diagnoses and medical reports, prescriptions, and proof of any payment you made. For other claims — baggage, trip cancellation or interruption — keep the relevant evidence: police or carrier reports for lost or stolen items, proof of prepaid non-refundable costs, and documentation of the covered reason. Hold on to originals where you can.

Step 3: Submit the claim

Once you are through the immediate situation, submit the claim to TripCovered with your policy number and the documents you have gathered. TripCovered processes claims through its own claims service. Provide complete information the first time to avoid back-and-forth, and respond promptly to any requests for additional detail. Policies set a deadline for submitting claims, so file as soon as you reasonably can.

How different claims work

• Emergency medical — the most common claim. Early assistance contact, itemized bills and medical reports are key. Where payment is guaranteed to the provider, you may have little or nothing to pay directly.
• Trip cancellation or interruption — you will need proof of the covered reason and documentation of the non-refundable costs or extra expenses incurred.
• Baggage — report loss or theft to the police or carrier at the time, and keep the report and proof of your belongings’ value.

Services that support a claim

Alongside claims handling, we offer services that can help before a claim is even needed: telemedicine through 1.800MD / Maple for advice without a clinic visit, and MyFlyt flight-delay support. Using telemedicine for a minor issue can sometimes resolve it without a formal medical claim at all.

Before you travel

What slows a claim down

Most delays come from missing documentation or late contact with assistance. Opening the claim early, keeping itemized bills and reports, and submitting complete information the first time all speed things up. Avoid waiting until you are home to start gathering records — collect them as events happen. If TripCovered requests more detail, respond promptly. And check your policy’s submission deadline so you file within the window. Preparation before the trip, and prompt action during it, are what make a claim settle smoothly.

A little preparation goes a long way: save the assistance number where you can reach it without internet, carry your policy details, and tell a travelling companion where to find them. Knowing the steps in advance means that if something goes wrong, you act quickly and your coverage does its job. If you have not arranged coverage yet, compare your options and get a quote before your trip.