Travel Guard Claims: Work-Related Filing Guide

If you need to file a claim with Travel Guard for a work-related trip, the first step is to gather the required documentation. This includes items such as medical records, travel itineraries, receipts, and police reports, depending on the nature of your claim. You can then submit your claim and supporting documents online, by phone, by mail, or by fax. Travel Guard aims to make the claims process as smooth as possible, providing assistance and solutions without unnecessary red tape.

Cancelling your trip

If you need to cancel your travel plans but haven't left for your trip yet, you should cancel your reservations directly with the carrier, travel agent, or tour operator, and then contact Travel Guard claims. They will help you get the paperwork you need to file a claim. You will be able to file a claim for any prepaid and non-refundable costs that you have already paid, such as a hotel deposit or flight.

Trip Cancellation coverage is a key benefit of most Travel Guard travel insurance plans. It provides coverage for certain expenses you may have prepaid and that are non-refundable when you need to cancel your trip (as long as it's for a covered reason). Your travel insurance plan can provide more details, but cancelling for certain work reasons, jury duty, or illness of yourself or a family member are typically reasons that would be covered with the trip cancellation benefit on your Travel Guard travel insurance plan.

The specific documentation needed for your trip cancellation claim will depend on the reason for cancelling and what you originally had booked. Here is a list of documentation that may be required:

• Travel Guard claim form
• Documentation to support the reason for cancelling your trip
• Proof of travel/reservations
• Proof of payment for the trip
• Cancellation terms from the travel supplier

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

Ending your trip early

If you're on vacation and need to end your trip early, Travel Guard can assist you with getting back home. Even if it's not for a covered reason on your policy, Travel Guard's World Service Center representatives can help change your flights, cancel your reservations, and more.

To end your trip early, follow these steps:

• Contact Travel Guard's World Service Center: Get in touch with their representatives by phone or email. Let them know about your situation and that you need to return home early. They will help you make the necessary arrangements, such as changing your flights and cancelling any existing reservations.
• Gather documentation: Keep track of any expenses incurred due to ending your trip early, such as flight change fees or cancellation penalties. You will also need documentation to support the reason for interrupting your trip. This may include medical certificates, accident/police reports, trip invoices, and proof of payment for any claimed expenses.
• File a claim: Once you're back home, you can file a claim with Travel Guard to seek reimbursement for any covered lost or extra costs associated with ending your trip early. You can start your claim online or over the phone with one of their claims center representatives. Filing online is generally quicker and allows for electronic document submission.
• Submit required documentation: When filing your claim, you will need to provide documentation supporting your reason for ending the trip early, as well as proof of any claimed expenses. Refer to the "Trip Interruption / Missed Connection" section of the Travel Guard website for a detailed list of required documents.
• Track your claim status: After submitting your claim, you can check its status online to stay updated on the review process and any approvals for out-of-pocket expense reimbursements.

Remember, if you are facing a medical emergency, always seek medical attention first. Travel Guard has medically trained case managers who can help monitor your care and speak with treating medical staff to get regular updates on your condition.

Missing or cancelled flights

• Contact the airline or travel agent: First, contact your airline or travel agent directly to understand the reason for the missed or cancelled flight. Get all the necessary information, such as the reason for the cancellation or the details of the next available flight.
• Gather the required documentation: To file a claim with Travel Guard, you will need specific documents. These may include a travel itinerary showing trip details (when/where/what), receipts for any additional expenses incurred due to the delay, and a common carrier report verifying the cause and duration of the delay.
• Submit your claim: You can submit your claim online through the Travel Guard claims portal or by calling them directly. Have your policy information and all the required documentation ready when submitting your claim.
• Provide necessary claim documentation: When submitting your claim, you will need to provide documentation to support your reason for the missed or cancelled flight. This may include proof of travel reservations, proof of payment for the trip, and any cancellation terms from the travel supplier.
• Additional documentation for work-related claims: For work-related claims, you may need to provide additional documentation. This could include proof of your work commitments, such as emails or letters from your employer, and any other relevant information that led to your missing or cancelling your flight.
• Follow up on your claim: After submitting your claim, you can follow up on its status by checking online or contacting Travel Guard directly. They will assign a claims analyst to review your policy and approve any out-of-pocket expenses covered by your policy.

Remember to review your travel insurance plan to understand the specific covered reasons for trip cancellation or interruption. Work-related reasons are typically covered, but it's important to confirm this with your chosen Travel Guard plan. Additionally, keep all your receipts and necessary documentation organised to make the claims process smoother.

Medical expenses

If you need to see a doctor while on your trip, you can call Travel Guard for a list of doctors in your area. Make sure to get a medical report and keep all receipts so that you can file a claim when you get home. If you are hospitalised, call Travel Guard and a medically trained case manager will help monitor your care.

To file a claim for medical expenses, you will need the following documentation:

• Medical, treatment, ER, and admit/discharge records detailing the condition treated while on the trip for which expenses are claimed.
• Copies of all bills, invoices, receipts, and applicable credit card/bank statements pertaining to the claimed medical expenses.
• For injury claims, Accident/Incident/Police/ER Reports which detail the accident.
• EOBs from health insurance companies may be required if coverage is secondary or excess.

You can start your claim online or over the phone with one of Travel Guard's claims centre representatives. Filing online is the quickest solution as it reduces the amount of paperwork and allows you to submit your documents electronically. If you start your claim over the phone, claims forms and a list of required documents will be emailed or mailed to you. Once you submit the claim paperwork with any required supporting documents, a claims analyst will be assigned to review your claim. You can always check the status of your claim online for updates.

Car rental collision damage

Travel Guard's Car Rental Collision Insurance plan is an affordable physical damage insurance plan for rental cars that provides reliable coverage for the costs of repairs due to a car collision or damage to your rental car. This plan is offered at two levels: one for $7 per day and one for $9. Both plans cost far less than the coverage offered at the rental counter and cover loss-of-use charges.

The plan covers damage to a rental car due to collision, vandalism, weather, or fire, and covers the cost of repairs up to the policy limit in addition to the rental charges imposed by the rental car company while the vehicle is being repaired. It is important to match the rented vehicle's replacement cost with the coverage limit in case the vehicle is entirely destroyed. This coverage does not cover theft or stolen vehicles.

To file a claim for car rental collision damage, you will need the following documentation:

• Copy of the original rental contract and invoice
• Police/accident/incident report(s) which provide details of the event
• Copy of the repair estimate/invoice
• Pictures of vehicle damage, including accident scene photos, if available
• Proof of any payments made to the rental car company for damage

You can start your claim online or over the phone with one of Travel Guard's claims center representatives. Filing online is the quickest solution as it reduces the amount of paperwork and allows you to submit your documents electronically. If you start your claim over the phone, claims forms and a list of required documents will be emailed or mailed to you. Once you submit the claim paperwork with any required supporting documents, a claims analyst will be assigned to review your claim.

Frequently asked questions