How to File a Travel Insurance Claim for Your USA Trip: A Step-by-Step Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Filing a travel insurance claim for your trip to the USA might seem like a daunting task, especially if you’ve never done it before.

However, it’s important to know the process so that you can recover your expenses in case of unforeseen events such as medical emergencies, trip cancellations, or lost baggage.

This step-by-step guide will walk you through the process of filing a travel insurance claim and help you navigate the procedure with ease.

Review Your Policy

The first step in filing a travel insurance claim is to thoroughly review your policy. Ensure you understand the coverage and any exclusions or limitations.

This will help you determine if your situation qualifies for a claim and what documentation you may need to support it.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Gather Necessary Documentation

Collect all the necessary documentation to support your claim. This may include receipts, invoices, medical records, police reports, or other relevant documents. Be sure to make copies of everything and keep the originals in a safe place.

Some common documents required for different types of claims are:

  • For medical claims: Medical bills, receipts, diagnosis reports, doctor’s notes, or prescriptions.
  • For trip cancellation or interruption claims: Cancellation invoices, proof of non-refundable expenses, or a letter from your doctor if the cancellation is due to medical reasons.
  • For baggage loss or delay claims: Receipts for lost or damaged items, baggage claim reports, or airline delay confirmation.
  • For missed connection or travel delay claims: Proof of delay or cancellation from the airline, receipts for additional expenses incurred due to the delay, or any other relevant documents.

Contact Your Insurance Provider

As soon as you realize you need to file a claim, contact your insurance provider. They will guide you through the process and provide you with the necessary claim forms.

It’s essential to notify your insurer as soon as possible since there may be time limits on filing a claim.

Complete the Claim Forms

Fill out the claim forms provided by your insurance company. Be sure to answer all questions accurately and provide as much detail as possible.

If you’re unsure about any sections or require assistance, don’t hesitate to contact your insurance provider for clarification.

Submit Your Claim and Documentation

Once you’ve completed the claim forms and gathered all necessary documentation, submit everything to your insurance provider.

Make sure to keep a copy of all the documents you send, as well as any correspondence with the insurer.

It’s a good idea to send your claim via registered mail or an equivalent method that provides proof of delivery. This way, you’ll have evidence that your claim was submitted and received by the insurance company.

Monitor the Progress of Your Claim

Stay in touch with your insurance provider and monitor the progress of your claim. You may be asked to provide additional documentation or information to support your claim.

Respond to any requests promptly to avoid delays in processing.

Review the Insurer’s Decision

Once your claim has been processed, the insurance company will inform you of their decision.

Carefully review the details of the decision, and make sure you understand the reasons behind it. If you believe the decision is incorrect or unfair, you may have the option to appeal.

Appeal If Necessary

If you’re not satisfied with the outcome of your claim, you may be able to appeal the decision. Contact your insurance provider and inquire about their appeals process.

You might need to submit additional documentation or present your case in writing.

During the appeal process, be patient and maintain open communication with your insurer. Keep in mind that the appeals process may take some time to complete.

Receive Your Reimbursement

If your claim is approved, you’ll receive reimbursement for the covered expenses, either through a direct deposit to your bank account or a check in the mail.

The reimbursement timeline varies depending on your insurance provider, so be patient and allow time for the payment to arrive.

Make sure to review the reimbursement amount and ensure that it matches the expenses you’ve submitted in your claim.

Learn from the Experience

Once you’ve completed the claim process, take the time to reflect on the experience and learn from it. Consider the aspects of the process that went smoothly and areas where you encountered challenges. This will help you better prepare for any future travel insurance claims.

For example, if you found it difficult to gather documentation, consider keeping better records of your travel expenses, medical visits, and other relevant information during your trips.

This will make it easier to file a claim should the need arise in the future.


Filing a travel insurance claim for your USA trip may seem like a complex process, but by following these steps, you’ll be better equipped to navigate it successfully.

Remember to review your policy, gather the necessary documentation, communicate with your insurance provider, and be patient throughout the process.

By doing so, you’ll increase the likelihood of a successful claim and ensure that you’re reimbursed for your covered expenses.