If you need to make a claim, we're here to help you.

If you are making an Emergency Medical Insurance claim, we may need:

• Original itemized receipts for all bills and invoices.
• Proof of payment by you and by any other benefit plan.
• Medical records including complete diagnosis by the attending physician or documentation by the hospital.
• Proof of the accident if you are submitting a claim for dental expenses resulting from an accident.
• Proof of travel (including departure date and return date).
• Your historical medical records.

If you are making a claim for expenses related to a travel delay, we may need:

• Original unused transportation tickets and vouchers.
• Original passenger receipts for the new tickets you had to purchase.
• Original receipts for the travel arrangements you had paid in advance and for the extra hotel, meal, telephone and taxi expenses you may have had.
• Any other invoice or receipt supporting your claim.

If you are making a claim for expenses related to delay of baggage or travel documents we may need:

• A Police report or an incident report from the hotel manager, tour guide or transportation authorities.
• Copies of reports from the authorities as proof of loss, damage or delay.
• Proof that you owned the articles, and receipts for their replacement.

• Flight/travel itineraries
• A copy of your flight/travel itineraries indicating your flight details
• Medical report or discharge summary or doctor’s memo
• Written confirmation from the hospital stating date, cause and nature of injury/illness
• Original medical bills and other expense receipts