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What do I need to do in order to file a claim?To receive your customized claim form, please call Travel Guard at:1.800.826.1300
Monday - Friday
7 a.m. - 7 p.m. CST. Claims Resources:Claims FAQCheck the status of a filed claimWondering what documentation to include when filing a claim?Please select your type of claim from the list below for information on what documentation may be required. Note: The following is only a brief description of the travel insurance coverage. The policy may contain reductions, limitations, exclusions, and termination provisions. Coverage may not be available in all states or outside the U.S. Trip Cancellation - you were unable to make your trip.
Trip Interruption - you were unable to continue on your trip as planned, you missed pre-paid portions of your trip, and/or you incurred additional transportation expenses to return home.
Travel delay - you were delayed during your travel and incurred additional hotel, meal, and/or taxi expenses, until travel became possible.
Medical expenses - you suffered an illness or injury during your trip that required medical treatment and you incurred out-of-pocket expenses.
Baggage loss - your baggage was lost, stolen or damaged during your trip.
Baggage delay - your luggage was delayed for more than 24 hours during your trip and you incurred expenses to purchase necessary personal items.
Change of mind - you changed your mind and decided not to travel. (Change of Mind is only available under the Cruise, Tour & Travel plan; you must qualify for this benefit, and it covers only up to $250 per person for any cancellation penalities incurred.)
Collision damage waiver - damage done to the rental car during your trip. Insurance underwritten by American Home Assurance Company, with its principal place of business in New York, NY or by Arch insurance Company, One Liberty Plaza, New York, NY 10006. Trip Cancellation Claims| Cancellation Terms and Conditions | | Copy of brochure showing the cancellation conditions. | The Tour Operator's printed version of cancellation terms and conditions. It explains, in writing, what happens if you have to cancel your trip. | | Copy of refund check or credit. | A copy of any amount refunded to you for this trip from anyone other than Travel Guard International. | | Original Airline Tickets if Non-refundable | We require the actual airline tickets if they are non-refundable. If you were issued e-tickets, we need the e-ticket passenger receipt. If you booked the flight over the Internet, we need the printed ticket confirmation sheet with your ticket numbers. | | Original Hotel or Cruise Vouchers if Non-refundable | We will require whatever vouchers your received that are not refundable through anyone else. | | | | Proof of Trip Payment | | Credit card statement, cancelled check or cash receipt. | Send a credit card statement, cancelled check or cash receipt for each and every payment you made on this trip. If you do not have this documentation, contact your travel agent for an invoice that shows the dates and amount of all payments made. | | Invoice with trip costs | A copy of the trip invoice showing a break down of the total trip costs. (Such as so much for airfare, so much for the cruise portion, so much for taxes, etc.) | | | | Proof of the Reason for the Claim | | Copy of death certificate | A copy of the death certificate that shows cause of death. | | Statement from doctor showing diagnosis and dates of treatment | The doctor's statement must include the specific diagnosis and the date of diagnosis. | | Medical records | The information packet you received in the mail should ask for a range of dates for your medical records so an analyst may determine your coverage. If you do not submit the medical records, the analyst may have to write directly to the doctor for this information and that could delay your claim for up to 6 weeks. | | Completed medical authorization form | This form is included in the packet we sent you. We need the ill party's signature to allow us to contact the doctor if we need any additional information to process your claim. If this form is not signed, we then need to contact the insured to get the information from the doctor and submit it to us, which could delay the claim. | | Proof of the reason for the claim | We will need documentation of the reason you cancelled your trip. |
TopTrip Interruption Claims| Terms and Conditions | | Copy of Newly Purchased Tickets | A copy of all new tickets that you had to purchase. | | Copy of Payment for Additional Airfare | A copy of a credit card statement, cancelled checks or cash receipt showing payment for any additional airfare. | | Original Unused Non-refundable Airline Tickets | We require the actual airline tickets if they are non-refundable. If you were issued e-tickets, we need the e-ticket passenger receipt. If you booked the flight over the Internet, we need the printed ticket confirmation sheet with your ticket numbers. | | Itinerary Outlining Trip | A printed description of where you are to be on each day of your trip. | | | | Proof of Trip Payment | | Credit card statement, cancelled check or cash receipt. | Send a credit card statement, cancelled check or cash receipt for each and every payment you made on this trip. If you do not have this documentation, contact your travel agent for an invoice that shows the dates and amount of all payments made. | | Invoice with trip costs | A copy of the trip invoice showing a break down of the total trip costs. (Such as so much for airfare, so much for the cruise portion, so much for taxes, etc.) | | | | Proof of the Reason for the Claim | | Copy of death certificate | A copy of the death certificate that shows cause of death. | | Statement from doctor showing diagnosis and dates of treatment | The doctor's statement must include the specific diagnosis and the date of diagnosis. | | Medical records | The information packet you received in the mail should ask for a range of dates for your medical records so an analyst may determine your coverage. If you do not submit the medical records, the analyst may have to write directly to the doctor for this information and that could delay your claim for up to 6 weeks. | | Completed medical authorization form | This form is included in the packet we sent you. We need the ill party's signature to allow us to contact the doctor if we need any additional information to process your claim. If this form is not signed, we then need to contact the insured to get the information from the doctor and submit it to us, which could delay the claim. | | Proof of the reason for the claim | We will need documentation of the reason you cancelled your trip. |
TopTravel Delay| Terms and Conditions | | Itinerary Outlining Trip | A printed description of where you are to be on each day of your trip. | | | | Proof of the Reason for the Claim | | Carrier Caused | Documentation from the airline, cruise line, etc., as to the reason for the delay. | | Illness/Injury | Proof of medical treatment that made travel impossible. | | | | Receipts for Additional Expenses | | Hotel, food, transportation | Original receipts, copies of receipts, or a list of the expenses incurred that gives the amount paid, what the payment was for, and the date of the payment. |
TopMedical Expenses| Medical Expenses | | Doctor, hospital and/or prescriptions | Original receipts for the expenses incurred. Also, please submit whatever documentation includes the diagnosis for the condition that was being treated. | | | | Explanation of Benefits (Secondary policies only) | | From primary health insurance carrier | Submit the paperwork you received back from your primary health care provider, showing what they paid and what they did not. | | Other Insurance Information | We required the enclosed release of information form, included with the claim form, be signed and dated and the insurance information completed. Also submit a copy, front and back, of your personal health insurance card. |
TopBaggage Loss| Terms and Conditions | | Original Receipts | Original receipts for the lost items or for items damaged beyond repair. If your bags were delayed submit the original receipts for the necessary items purchased. | | Proof of Travel | Documentation proving travel; hotel receipt, itinerary, ticket stub, etc. | | List of Claimed Items | If you do not have the original receipts for the lost items, please include a list of missing items, with the date purchased and the price you paid at the time the item was purchased. | | | | Proof of the Reason for the Claim | | A copy of the incident report | An irregularity report, incident report, or a copy of the loss report filed with the carrier, or a copy of the police report if the items were stolen. | | A copy of the settlement check with the airline/cruiseline/tour operator | If a loss report was filed with the airline/cruiseline/tour operator we need a copy of the settlement statement. Either a copy of the denial letter, or agreement of payment with the amount paid.
If no incident report was filed, we need proof of travel, such as a ticket stub, itinerary, or invoice, something that proves travel on that date. | | Verification of damaged luggage from a luggage repair shop | A repair estimate, or something from the luggage shop saying the item is not repairable. |
TopBaggage Delay| Terms and Conditions | Itinerary Outlining Trip
| A printed description of where you are to be on each day of your trip. | | | | Proof of the Reason for the Claim | | Carrier Caused | Documentation from the airline, cruise line, etc., as to the reason for the delay. | | Illness/Injury | Proof of medical treatment that made travel impossible. | | | | Receipts for Additional Expenses | | Hotel, food, transportation | Original receipts, copies of receipts, or a list of the expenses incurred that gives the amount paid, what the payment was for, and the date of the payment. |
TopChange of Mind| Cancellation Terms and Conditions | | Cancellation Terms and Conditions. Copy of brochure showing the cancellation conditions | The Tour Operator's printed version of cancellation terms and conditions. It explains, in writing, what happens if you have to cancel your trip. | | Copy of refund check or credit | A copy of any amount refunded to you for this trip from anyone other than Travel Guard International. | | Original Airline Tickets if Non-refundable | We require the actual airline tickets if they are non-refundable. If you were issued e-tickets, we need the e-ticket passenger receipt. If you booked the flight over the Internet, we need the printed ticket confirmation sheet with your ticket numbers. | | Original Hotel or Cruise Vouchers if Non-refundable | We will require whatever vouchers you received that are not refundable through anyone else. | | | | Proof of Trip Payment | | Credit card statement, cancelled check or cash receipt | Send a credit card statement, cancelled check or cash receipt for each and every payment you made on this trip. If you do not have this documentation, contact your travel agent for an invoice that shows the dates and amount of all payments made. | | Invoice with trip costs | A copy of the trip invoice showing a break down of the total trip costs. (Such as so much for airfare, so much for the cruise portion, so much for taxes, etc.) |
TopCollision Damage Waiver Claims| Terms and Conditions | Original Rental Agreement
| A copy of your contract with the car rental agency. | | Proof of Travel | Please send any documentation proving that you did travel, such as a hotel receipt, itinerary or ticket stub. | | Copy of Damage Report | A copy of the car rental agency detailing the damage done. | | Copy of the CC Statement Showing Payment of Damages | If you made a payment for the damage, please send a copy of your credit card statement showing the charge to your account. | | Copy of the Police/Accident Report | A copy of the report filed with local police. |
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