(800) 243-3174, Option 3
Weekdays, 8:00 AM – 7:30 PM EST
Mail: Travel Insured International P.O. Box 6503 Glastonbury, CT 06033-6503
To facilitate prompt claims settlement:
TRIP CANCELLATION/TRIP INTERRUPTION: IMMEDIATELY Call Your Travel Supplier and Travel InsuredInternational to report Your cancellation and avoid non-Covered Expenses due tolate reporting. Travel Insured International will then advise You on how toobtain the appropriate form to be completed by You and the attending Physician.If You are prevented from taking Your Covered Trip due to Sickness or Injury,You should obtain medical care immediately. We require a certification by thetreating Physician at the time of Sickness or Injury that medically imposedrestrictions prevented Your participation in the Covered Trip. Provide allunused transportation tickets, official receipts, etc.
TRAVEL DELAY: Obtain any specific dated documentation, whichprovides proof of the reason for delay (airline or Cruise line forms, medicalstatements, etc).
MEDICAL EXPENSES: Obtain receipts from the providers ofservice, etc., stating the amount paid and listing the diagnosis and treatment.Submit this documentation along with Your Covered Trip itinerary and allreceipts from additional expenses incurred.
BAGGAGE: Obtain a statement from the Common Carrier thatYour Baggage was delayed or a police report showing Your Baggage was stolenalong with copies of receipts for Your purchases.
PAYMENT OF CLAIMS
Notice of Claim: Notice of claim must be reported within 20 days after a lossoccurs or as soon as is reasonably possible. You or someone on Your behalf maygive the notice. The notice should be given to Us or Our designatedrepresentative and should include sufficient information to identify You .
Claim Forms: When notice of claim isreceived by Us or Our designated representative, forms for filing proof of losswill be furnished. If these forms are not sent within 15 days, the proof ofloss requirements can be met by You sending Us a written statement of whathappened. This statement must be received within the time given for filingproof of loss. Claim Procedures: Proof of Loss: Proof of loss must be providedwithin 90 days after the date of the loss or as soon as is reasonably possible.Proof must, however, be furnished no later than 12 months from the time it isotherwise required, except in the absence of legal capacity. Payment of Claims:When Paid: We, or Our designated representative, will pay the claim afterreceipt of acceptable proof of loss.
Payment of Claims: To Whom Paid: Benefits for loss of lifewill be paid to Your designated beneficiary. If a beneficiary is not otherwisedesignated by You , benefits for loss of life will be paid to the first of thefollowing surviving preference beneficiaries:
a) Your spouse;
b) Your child or children jointly;
c) Your parents jointly if both are living or the survivingparent if only one survives;
d) Your brothers andsisters jointly; or
e) Your estate.
All other Benefits will be paid directly to You, unlessotherwise directed. Any accrued benefits unpaid at Your death will be paid toYour estate. If You have assigned Your benefits, We will honor the assignmentif a signed copy has been filed with us. We are not responsible for thevalidity of any assignment. All or a portion of all benefits provided by thePolicy may, at Our option, be paid directly to the provider of the service(s)to You . All benefits not paid to the provider will be paid to You .
If anybenefit is payable to: (a) an Insured who is a minor or otherwise not able togive a valid release; or (b) an Insured’s estate, We may pay any amount dueunder the Policy to Insured’s beneficiary or any relative whom We find entitledto the payment. Any payment made in good faith shall fully discharge Us to anyparty to the extent of such payment.
Subrogation: If the Company has made apayment for a loss under this Policy, and the person to or for whom payment wasmade has a right to recover damages from the Third Party responsible for theloss, the Company will be subrogated to that right. You shall help the Companyexercise the Company’s rights in any reasonable way that the Company mayrequest: nor do anything after the loss to prejudice the Company’s rights: andin the event You recover damages from the Third Party responsible for the loss,You will hold the proceeds of the recover for the Company in trust andreimburse the Company to the extent of the Company’s previous payment for theloss.