Claims Information
Trawick International is here to help with exceptional claims handling whether your claim is for medical treatment, a cancelled trip, lost baggage, and more.
Claims Questions?
[email protected]
[email protected]
(888) 301 – 9289
Press 3 if US Citizen
Press 2 if Not US Citizen
Available 8:00 AM – 6:00 PM CST, Weekdays
24 Hour Emergency Assistance
(833) 425 – 5101 Toll Free US and Canada
(603) 952 – 2686 Collect All other locations
Start a Claim
[email protected]
Find Claims Forms and use the links on this page to submit a new claim - https://www.trawickinternational.com/claim-information/claim-forms
Be sure to keep copies of your documents and receipts related to financial transactions when requesting reimbursement.
Find the correct claim form by locating the name of your plan on your confirmation of coverage or certificate that was emailed to you at the time of purchase.
Gather information and documents related to the kind of claim you are filing, include a copy of your passport showing the identification page and entry/exit stamps. Documents that may be needed for a medical claim are: detailed bills for medical services received, receipts for payments made for medical treatment, medical documentation, doctor and hospital reports. Documents that may be needed for trip cancellation or interruption claim are: receipts showing payment for the trip and proof the trip was canceled. Please review the claim form for other documents that may be required for your claim.
Complete the claim form and send it to the address listed on the form.
For claims status or questions, call toll free (877) 916 – 7920.
Should you have any questions, are unable to download the claim packets, or require assistance, please contact us. We make every effort to ensure the information on this page is complete and accurate. If there is a conflict with the information on this page and the policy, the terms and information on the specific written policy will supersede.
Additional Info
Every 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 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.
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.
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 claim that was paid. The travel insurance plan you purchase will have more details on this in the certificate that Travel Insurance Master emails to the primary traveler.
Sometimes, a claim is denied by the travel insurance company. When this happens, Travel Insurance Master customers have the option to have their claim reviewed by our Customer Care Team.
Notice of Claim: A claimant must give Us or Our authorized representative written (or authorized electronic or telephonic) notice of claim within 90 days after any loss covered by the Policy occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. This notice should identify the Covered Person and the Policy Number.
Claim Forms: Upon receiving written notice of claim, We will send claim forms to the claimant within 15 days. If We do not furnish such claim forms, the claimant will satisfy the requirements of written proof of loss by sending the written (or authorized electronic or telephonic) proof as shown below. The proof must describe the occurrence, extent and nature of the loss and give authorization to release medical records.
Proof of Loss: Written (or authorized electronic or telephonic) proof of loss must be sent to the agent authorized to receive it. Written (or authorized electronic or telephonic) proof must be given within 90 days after the date of loss. If it cannot be provided within that time, it should be sent as soon as reasonably possible. In no event, except in the absence of legal capacity, will proof of loss be accepted if it is sent later than one year from the timeproof is otherwise required.
Claimant Cooperation Provision: Failure of a claimant to cooperate with Us in the administration of a claim may result in the delay or termination of a claim. Such cooperation includes, but is not limited to, providing any information or documents needed to determine whether benefits are payable or the actual benefit amount due.
Time Payment of Claims: Benefits for loss covered by the Policy, other than benefits that require periodic payment, will be paid not more than 60 days after We receive proper written proof of such loss. Benefits for loss covered by the Policy that require periodic payment shall be paid monthly provided that We receive proper written proof of such loss.
Payment of Claims: If the Covered Person dies, any death benefits or other benefits unpaid at the time of the Covered Person’s death will be paid to the beneficiary. If no beneficiary is on record with Us or Our authorized agent, payment will be made to the first surviving class of the following to the Covered Person’s: 1. spouse; 2. children, in equal shares (If a child is a minor, benefits will be paid to the legal guardian); 3. mother or father; 4. estate. All other benefits due and not assigned will be paid to the Covered Person, if living. Otherwise, the benefits may, at our option, be paid: 1. according to the beneficiary designation; or 2. to the Covered Person’s estate. If a benefit due is payable to: 1.the Covered Person’s estate; or 2. the Covered Person or a beneficiary who is either a minor or is not competent to give a valid release for the payment, We may pay any amount due to some other person. The other person will be one who we believe is entitled to the payment and who is related to the Covered Person or the beneficiary by bloodor marriage. We will be relieved of further responsibility to the extent of any payment made in good faith. We may pay benefits directly to any Hospital or person rendering covered services, unless the Covered Person requests otherwise in writing. The Covered Person must make the request no later than the time he or she files a written proof of loss.
Beneficiary: The Insured may designate a beneficiary. The Insured has the right to change the beneficiary at any time by written (or electronic and telephonic) notice. If the Insured is a minor, his or her parent or guardian may exercise this right for him or her. The change will be effective when We or Our authorized agent receive it. When received, the effective date is the date the notice was signed. We are not liable for any payments made before the change was received. We cannot attest to the validity of a change. The Insured is the beneficiary for any covered Dependent.
Assignment: At the request of the Covered Person or his or her parent or guardian, if the Covered Person is a minor, medical benefits may be paid to the provider of service. Any payment made in good faith will end our liability to the extent of the payment.
Physical Examinations And Autopsy: We have the right to have a Doctor of Our choice examine the Covered Person as often as is reasonably necessary. This section applies when a claim is pending or while benefits are being paid. We also have the right to request an autopsy in the case of death, unless the law forbids it. We will pay the cost of the examination or autopsy.
Legal Actions: No lawsuit or action in equity can be brought to recover on the Policy: 1. before 60 days following the date proof of loss was given to Us; or 2. after 3 years following the date proof of loss is required.
Recovery of Overpayment or Error: If benefits are overpaid, or paid in error, We have the right to recover the amount overpaid, or paid in error, byany or all of the following methods: 1. A request for lump sum payment of the amount overpaid, or paid in error. 2. Reduction of any proceeds payable under the Policy by the amount overpaid, or paid in error. 3. Taking any other action available to Us. Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this insurance plan are contained in the Master Policy, which is on file with the Policy holder. In the event of a conflict between this Description of Coverage and the Master Policy, the Master Policy will govern.
Conformity With State Laws: On the effective date of the Policy, any provision that is in conflict with the laws in the state where it is issued is amended to conform to the minimum requirements of such laws.
Not In Lieu Of Workers’ Compensation: The Policy is not a Workers’ Compensation policy. It does not provide Workers’ Compensation benefits.
Fraud Warning: If the Insured Person or any person acting on his/her behalf shall make any claim or statement knowing the same to be false or fraudulent as regards amount or otherwise, then this Insurance shall become void and all claims here under shall be forfeited without refund of premium.
