Travel Medical Expense is a coverage included on all Travel Guard travel insurance plans, because your health is important to us. When you’re sick or injured while traveling, especially if you’re overseas in a foreign country, the cost of care should be the least of your worries. Travel more confidently knowing you have certain coverage to see a Physician (for covered reasons) and that you can submit a claim requesting to be reimbursed for covered expenses. Be sure to understand your travel insurance plan’s complete terms and conditions prior to purchasing. 

In general, sicknesses or injuries that first begin while you’re on your trip and require treatment by a Physician, as defined in your travel insurance plan, would be covered on your plan (certain exclusions apply). Your Travel Guard travel insurance plan may provide coverage for medical and dental expenses and on some plans physical therapy for covered reasons listed in your plan.

If you receive treatment while you’re traveling, keep any relevant documentation from your treatment. Travel Guard has emergency travel assistance for help locating appropriate medical care if you are unsure of where to go. We have medical personnel on staff who can regularly review the care our travelers are receiving. When your trip is complete, submit any necessary documentation for your out-of-pocket medical expenses to Travel Guard to request reimbursement of covered expenses.

The specific documentation needed for your medical expense claim will depend on the treatment needed from your illness or injury and the out-of-pocket expenses you incurred.

Below is a list of documentation that may be required. 

• Travel Guard claim form
• Signed patient (or next of kin) authorization form 
• Discharge records of injury and treatments
• Copies of bills, receipts, invoices and relevant bank statements
• Incident report detailing how injury occurred

There may be additional documents required based on your specific claim. You can start the process of filing a claim online with our claims portal or you can call us directly if you have specific questions.  

You are on vacation in England when you get into an on-road accident and need medical treatment. You are brought to the hospital where you receive treatment for a neck injury. After a week, you are cleared to fly back home.

In this scenario, you would keep records of the accident, your injury and the treatment you received so you can file a claim to request reimbursement for the costs you incurred. 

Remember to read your travel insurance plan’s complete terms and conditions before booking to help ensure you have the coverages you may need.