Trip Insurance Claims Service

When Should I File a Travel Insurance Claim?

Travel doesn’t always go according to plan. From last-minute cancellations to delayed baggage or a medical emergency overseas, unexpected moments can quickly disrupt the experience you were looking forward to. That’s why Travel Insured International customers can file a claim when something goes wrong during or before a trip.

With the right documentation, you may be reimbursed for covered expenses tied to your travel mishap. Whether your journey was interrupted, or you encountered a covered emergency abroad, submitting a claim is a simple and secure way to request reimbursement.

Travel Insured International offers plans with benefits designed to help travelers manage all kinds of situations:

Trip Cancellations & Interruptions

If you're unable to travel due to a covered reason—like illness, injury, or natural disasters—you may be reimbursed for your prepaid, non-refundable trip costs. If you have to return early, trip interruption coverage can help reimburse for the land and water travel arrangements you purchased and additional transportation expenses.

Medical Emergencies

While traveling internationally, U.S. health insurance may not cover you. Travel protection plans with medical expense coverage can help reimburse for eligible expenses including hospital stays, doctor visits, and even emergency evacuation. Some plans may also offer assistance with prescription replacement through our 24/7 non-insurance emergency services.

Pre-existing condition coverage may be available when you meet certain criteria. See your plan document for eligibility details.

Lost or Delayed Baggage

Airline lost your suitcase? Bags arrived two days late? Baggage protection may offer reimbursement for the cost of necessary items like clothes and toiletries or even for personal belongings that were permanently lost or stolen.

Travel Delays & Missed Connections

If a delay causes you to miss a connection or requires an unplanned overnight stay, your plan may include benefits to cover expenses such as meals, lodging, or alternate transportation. These benefits may help minimize the financial stress of extended delays. See more about the Trip Delay and Missed Connection benefits.

Rental Car Protection

If you purchased optional rental car damage & theft coverage for your plan, you may receive reimbursement for repairs due to accidental damage to a rental vehicle. This add-on, which is available for an additional cost, can be helpful if you're renting a car international or domestically and want an extra layer of protection.

When Should I Consider Travel Insurance?

Travel protection can be useful when you’re planning a trip that involves prepaid and non-refundable bookings, or simply just traveling internationally. If you’re unsure whether travel protection is worth it, consider the following situations:

You’ve booked non-refundable travel: Flights, resorts, cruises, or tours with strict cancellation policies may be covered with trip protection.
You’re traveling internationally: Most U.S. health insurance plans don’t include international coverage. A travel protection plan with accident and sickness medical expense benefits may offer financial support if you need emergency care.
You’re planning an active or remote adventure: Skiing, scuba diving, hiking, or safaris might involve higher risks. Some protection plans may offer specific coverage options for these kinds of trips.
You’re traveling during storm season: Visiting destinations prone to hurricanes or wildfires? Your plan may include trip cancellation or delay coverage for weather-related issues.
You’re carrying valuables: If you’re checking bags with electronics, clothing, or other gear, baggage benefits can help reimburse you if anything is lost or delayed.
You may need to cancel for personal reasons: Some plans offer Cancel for Any Reason (CFAR) and Interruption for Any Reason (IFAR) benefits. These are optional upgrades and come with important conditions—learn more here.

How Do I File a Travel Insurance Claim?

Travel Insured International makes it easy to file a travel claim from anywhere—before your trip, while abroad, or once you are home. The process is straightforward and secure:

1. Start Your Claim

Use the “Start a Claim” button toward the top of this page. You’ll be prompted to enter your travel and incident details. Have your confirmation of benefits or plan document ready so you can accurately describe the situation.

2. Upload Your Documents

Submit receipts, tickets, reports, medical records, or other materials that support your claim. These documents can help verify what happened and assist with the review process.

3. Track Your Claim

After submitting, you’ll receive an email confirmation. You can return at any time to check your claim’s progress or upload additional documents.

4. Receive Your Reimbursement

Once reviewed and if your claim is payable, you’ll receive payment based on the coverage outlined in your plan. The timeframe may vary depending on the complexity of the claim, but Travel Insured aims to process each one as efficiently as possible.

How Can I Get Help With My Claim?

Need help? Whether you’re unsure what’s covered or need support submitting a document, our dedicated claims team is here to assist.

📞 Call us: 855-752-8303

(Monday through Friday, 8 AM – 6 PM ET)

📧 Email us: [email protected]

You can also browse our Support Center for answers to common questions about claims, plan documents, and covered reasons.

Why Choose Travel Insured International?

For more than 30 years, Travel Insured International has helped travelers bounce back from the unexpected. We’re not just a provider—we’re a travel companion that offers coverage and support when you need it most. Our travel protection plans are backed by a team of experts, extensive benefits, and access to 24/7 non-insurance emergency services through our partner, Robin Assist.

Here’s why thousands of travelers trust us each year:

Real Experience: With decades in the travel insurance industry, we know how to guide you through the claim process as quickly as possible and with care.
Quick, Simple Claims: Our online claim portal is built for convenience—submit everything in one place and track your claim in real time.
Human Support: We believe every travel claim is more than a form—it's your story. That’s why our team is ready to listen and help at each step.
Emergency Help, Anytime: Through our partner, Robin Assist, clients can get access to non-insurance emergency services like medical evacuation, prescription replacement, or concierge support—available 24/7 no matter where you are.
Coverage That Travels With You: Our plans support travelers across the U.S. and around the world. From a long-awaited cruise to a quick overseas business trip, we’ve got you covered.

Travel protection isn’t just about being cautious. It’s about being confident. When life throws the unexpected your way, a travel claim can help you get back on track. Whether you’re planning your next journey or recovering from a disrupted trip, Travel Insured International is ready to meet you in the moment with support, protection, and care.

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This website contains highlights of the plans developed by Travel Insured International, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al, and non-insurance Travel Assistance Services provided by C&F Services and Blue Ribbon Bags (on select plans only). The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured International. P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223. While Travel Insured International markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Travel Insured and Travel Insured does not receive compensation from USF for providing the non-insurance components of the plans.