How to File a
Travel Insurance Claim
Claims are handled directly by your insurance carrier — IMG, Trawick International, or WorldTrips. We're here to guide you through the process and help if anything gets complicated.
The Claims Process, Step by Step
What to do from the moment you need care to getting reimbursed.
Get medical care first
Your health is the priority. Seek treatment immediately. For emergencies, call 911 or go to the nearest ER. Don't delay care over insurance concerns — file the claim after.
Save everything
Keep all receipts, medical bills, doctor's notes, hospital discharge papers, and prescriptions. Take photos if originals might get lost. The more documentation, the faster your claim.
Notify your carrier ASAP
Contact your plan's carrier (IMG, Trawick, or WorldTrips) within 20–30 days of treatment. Most plans require prompt notice. Find your carrier's contact info below.
Submit your claim form
Download the claim form from your carrier's portal or request it by email. Fill it out completely. Incomplete forms are the #1 cause of claim delays.
Follow up if needed
Most claims are processed within 10–30 business days. If you haven't heard back, follow up directly with the carrier. We can help you escalate if things stall.
Contact Your Carrier Directly
Find your carrier on your insurance ID card or policy document, then reach out using the info below.
IMG (International Medical Group)
Plans covered
Trawick International
Plans covered
WorldTrips
Plans covered
Tips for a Smooth Claim
Things that make a real difference when it matters.
Always carry your insurance ID card (physical or digital) when traveling
For planned procedures or surgeries abroad, get pre-authorization from your carrier first
Keep digital copies of all documents in your email or cloud storage
For overseas emergencies requiring evacuation, call your carrier's 24/7 emergency line immediately
Acute onset of pre-existing conditions must be reported quickly — usually within 24 hours
Need help with your claim?
We can't process claims on behalf of carriers, but we can help you navigate the process, find the right contacts, and escalate if you're not getting a response.
Mon–Fri, 9 AM – 6 PM CST
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