March 12, 2019

How to Make a Smooth Travel Insurance Claim

When you’re travelling, a medical emergency can quickly turn an otherwise enjoyable experience into a stressful one. If you have to make a claim, use the following tips to help minimize some of the stress and get you through the experience with greater ease.

Review your travel insurance coverage.

Before your trip, familiarize yourself with the types of situations that are eligible for travel insurance coverage and those, otherwise known as exclusions, which are not. Be aware of certain restrictions and exclusions on your benefits that can affect your coverage by reviewing the coverage booklet issued by the insurer.

Notify your travel insurance provider right away — don’t delay.

In a travel emergency, seconds can count, so be sure to call your travel insurance provider first. The quicker you do, the quicker they can help with opening a case file, directing you to an accredited medical facility within their network, arranging for up-front bills to be sent directly to them (instead of being presented to you) and more.

Follow the claims process.

Once your case has been opened, it helps to know what steps to take to ensure a smoother and swifter experience. Be sure to adhere to the claims process outlined in your coverage booklet. Below are some quick tips to assist you:

  • Complete in full the claim form that is issued to you;
  • Gather and include all original receipts or bills;
  • Include medical records such as the emergency room report and diagnosis from the medical facility or treating physician;
  • Sign and make a copy of your claim form, receipts, bills, records or reports for your records; and,
  • Submit all claims information at the same time.

Keep in mind that trip-related claims can take longer than health-related ones as additional steps are required for processing them. Submitting all required documentation in a timely manner for any type of claim can help to avoid delays in the processing of your claim.

If you have questions about ARTA’s travel insurance coverage, you may contact the travel assistance and insurance provider, Allianz Global Assistance at 1-844-996-9003


Travel insurance does not cover everything. For full terms and conditions, including limitations and exclusions, please refer to the plan document. ARTA’s travel insurance is underwritten by CUMIS General Insurance Company under Group Policy No. FC310040 issued to the Alberta Retired Teachers’ Association and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.