For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
For most cases, you – the insured on the plan – need to pay the provider upfront then submit a claim for reimbursement.
No matter what happens, it’s important to contact the Emergency Assistance team (or have someone contact them on your behalf). The 24/7 EA team can not only make arrangements for medical care or evacuation, but they may also be able to negotiate better rates, and in most cases, you’ll also need pre-approval.
Be sure to keep your receipts and medical records, which you’ll need to support your claim. Because travel insurance is secondary, you’ll need to check to see if your medical expenses (except for emergency evacuation) are covered by your primary health care insurance first. You’ll need to send us the EOB (Explanation of Benefits) from your health insurance company along with the rest of your documentation.
Confusing? If you need more guidance, the claims team can walk you through the process.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
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Before your trip, check the latest government advice for any travel alerts for your destination.