Press Releases

After a Hurricane Hits, How Do I File a Travel Insurance Claim?

by Kellyn Uhelsky | Oct 05, 2017

Hurricanes Harvey and Irma have caused a massive amount of damage in the U.S. which ultimately adds up to tens of thousands of insurance claims. With other hurricane warnings and watches currently in effect, it is important for individuals to prepare and stay proactive.

Thousands of travelers are relieved they opted for the extra expense of travel protection during this year's extremely active hurricane season. Those who do in fact have a travel protection plan and are affected by a hurricane are left wondering – what do I do next?

Travel Insured International, a leading travel protection provider is sharing how plan holders who may be disrupted by cancellations, delays, and interruptions can jumpstart the claims process.

Plan holders who have purchased a plan on or before the day before a hurricane was named, may have coverage for the storm. For example, Hurricane Maria was named on September 17, 2017, so travelers who purchased plans on or before September 16, 2017, may be eligible for reimbursement. Travel Insured’s list of official statements regarding coverage for all current events can be found here.

For an easy step by step guide of the Claims Process, take a look at Travel Insured’s infographic outlining the procedure here.

The specific concerns detailed below may not be the only coverage available, but answer some of the most common questions being received in our call center.

  • Travelers whose homes are uninhabitable should gather documentation such as proof from homeowner’s insurance verifying what damage their home has incurred, documentations from their electrical company confirming they are without power, and records confirming any other incidents that have been reported in their home. Photographs of the damage, along with the proper documentation are also accepted.
  • Travelers who were unable to get to the airport for a scheduled departure, or if their trip was interrupted, have the option of providing newspaper or internet articles to document road closures, etc. Notices from town offices, police/fire departments are also accepted forms of proof.
  • If the individual does not reside in an affected area but was scheduled to travel to an area that was impacted by the storm, we recommend contacting our Claims Department to discuss your specific situation and you will be provided with all the details to complete the claims process.

Once our Claims Department is notified of the claim being filed, we will ask a series of questions to understand the details of your claim, helping us determine the information we will need to complete the claim review. As the next step, we will send a claim package that provides the forms and instructions needed to submit your claim. For frequently asked questions regarding claims, click here.

Please contact Travel Insured at 1-800-243-3174 and one of our Claims Support Specialists will be happy to assist.

*Coverage depends on the definition per specific plan. This statement only provides a general summary. Please refer to your actual plan document for the specific terms and conditions of the specific plan purchased as eligibility for coverage varies based upon the specific plan terms, conditions and limitations, and may vary by state or may not be available in all states. Travel Insured recommends travelers purchase proper travel protection plans in case of unforeseen circumstances and to know where to go and where not to go during their travels.

*Plans may vary by state. This material contains highlights of the plans. The plans contain insurance benefits underwritten by the United States Fire Insurance Company. C & F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2016. The plans also contains non-insurance Travel Assistance Services that are provided by an independent organization, and not by United States Fire Insurance Company or Travel Insured International. Coverages may vary and not all coverage is available in all jurisdictions.

This advertisement contains highlights of the plans, which include travel insurance coverages underwritten by United States Fire Insurance Company under form series T7000 et. al., T210 et. al. and TP-401 et. al. The Crum & Forster group of companies is rated A (Excellent) by AM Best 2021. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. The plans also contain non insurance Travel Assistance Services provided by C&F Services through Active Claims Management (2018) Inc., operating as “Active Care Management”, “ACM”, “Global Excel Management”, and/or “Global Excel”. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. Your travel retailer maybe compensated for the purchase of a plan. CA DOI toll free number: 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Travel Insured: P.O. Box 6503, Glastonbury, CT 06033; 855-752-8303; [email protected]; California license #0I13223.