Claims

 

Claims Customer Service

At MissionSafe, we are committed to offering our partners exceptional service and support throughout the claims process. We understand the complexities of dealing with medical expenses after an illness or injury from your trip. In addition to the option of directly filing a claim online, MissionSafe has a dedicated staff to assist you.  Our staff is here to educate and help you navigate the claims process.  Our deep, long-standing relationships with our carriers enable us to be an advocate on your behalf.

Ultimately, all final decisions on claims being approved, re-processed, or denied for reimbursement rests with the carrier. Our job is to assist and advocate for your case!  See below for more details.


 


What You Need to Get Started

For a Medical Claim
For a Trip Cancellation Coverage Claim

 
For a Medical Claim

Please keep in mind that most travel medical plans are secondary medical coverage only, which means you will need to file a claim with your primary domestic insurance carrier as well.

 In order to file a claim for medical coverage reimbursement, your medical treatment must be started while you are traveling abroad Be certain to keep all documentation of treatment and payments. You will need to provide the following:

  • Documents stating the initial date of treatment while on your trip

  • Digital copies (scans, legible pictures, etc.) of ALL itemized invoices/bills with the diagnostic codes listed

  • Proof of payment (receipts or credit card statement showing payment(s) made)

  • Completed claim form from the insurance carrier, this can be a manual form or can be filled out through your insurance carrier's online portal


 

For a Trip Cancellation Coverage Claim

Trip Cancellation coverage will only reimburse non-refundable trip costs. You (the traveler) must attempt to obtain a refund from all travel providers and provide documentation showing the total cost you paid, the amount you have been refunded or the amount that was denied refund. You will need to either complete or provide the following:

  • Attempt reimbursement from the tour company or for each part of your trip (airline, hotels, car rentals, excursions, etc.)
  • Documentation proving proof of payment, whether to a tour company or for each part of your trip (airline, hotels, car rentals, excursions, etc.)
  • Documentation showing the refund decisions from the tour company or for each part of your trip (airline, hotels, car rentals, excursions, etc.)

  • Invoices showing the total cost of the trip, whether an itemized invoice from the tour company or receipts from each part of your trip that were paid for in advance

  • Airline itineraries listing travelers names, dates of travel and destinations

  • If traveling with a tour company, please provide the tour company's refund policy

  • Documentation specific to your cancellation/Interruption reason, please reach out to us for specific requirements for your situation

Please note: additional documentation related to your specific cancellation/interruption reason may be required.  Please reach out to us for a list of additional requirements.


 

Duo - Airport, planning

Your Role

As the traveler, your involvement in the claims process is crucial. Our main goal is to make sure you have complete control over your claim and personal data. While we are here to assist and support you throughout the process, we are dedicated to ensuring you keep ownership and authority over these essential elements.

The Role of the Insured is to:
  • Receive medical care for your medical need while outside of the US.

  • Collect medical documentation from all providers, whether that be a medical professional, hospital/clinic, or travel agency/tour company.

  • Fill out and submit the claim form to your travel insurance carrier.

  • If your claim is a medical claim, you will need to file a claim with your primary insurance carrier as well, as most travel medical insurance plans are secondary coverage.

  • Stay in contact with your travel insurance provider and promptly supply any extra documents they request, such as the Explanation of Benefits (EOB) from your primary insurance provider.  Requests for additional documentation should be submitted within 60 days of the request.

  • In the case of a denial, you can file an appeal with your travel insurance carrier with specific documentation to support the appeal.

  • Contact MissionSafe or your travel insurance carrier in a timely manner with any questions to ensure your claim process continues moving smoothly and efficiently.

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