You're already a savvy traveler, so the first step is simple: glance over your travel insurance policy. Get familiar with what's covered, and gather everything you need to support your claim (receipts, medical bills, doctors notes, travel documents, etc).

Your claim(s) must be filed within 90 days of the incident. Register your Trawick International Account to track your claims. To expedite the process, we recommend submitting your claims online once you are logged in.

Claims take time to process, but don't get discouraged. Your insurance provider might ask for more details, so be ready to respond. It may take up to 30 days to be processed by your insurance administrator.

You're almost there! Trawick International has taken a look at your claims, and they just need a little more information to move the process along. Once they receive everything they need, they will review the missing pieces and process your claim(s) per the policy guidelines. They may request documents such as medical records, completed forms, proof of payment, travel documents, etc.

Feeling unsure about what they need? No worries - It's simpler than you might imagine. Just login to your Trawick International Account and find your Explanation of Benefits (EOB). Take a look at the notes on your statement - that's where you'll find all the clues you need.

If your claim status is: Pending Adjustment

Locate your Explanation of Benefits in your Trawick International Account to understand what information is missing.

• Member Action Needed - additional information is needed from the insured, such as a completed claim form, travel documents, or receipts.
• Provider Action Needed - additional information is needed from the healthcare provider in order to process the claims. This may include medical records or itemized bills.
• Awaiting Additional Information - additional review is needed from a 3rd party in order to process the claim(s).

Note: The dollar amount may indicate $0 covered as Trawick International cannot process any claims until the missing information is received. The claim review will re-open when Trawick International receives the documents requested.

If your claim status is: Closed

Your claims are complete, and were either approved or denied. Login to your Trawick International account to review the determination. Locate your Explanation of Benefits to understand the outcome of your claim.

What to expect if your claim is approved

Great news! This means that your claims were approved per the policy guidelines and will be processed for payment. If the claim indicates a dollar amount paid, the funds will be sent directly to the provider or recipient indicated on the claim form.

• If the claim indicates a dollar amount lower than expected, please locate your Explanation of Benefits by logging into your Trawick International Account. Deductibles, provider discounts, and/or co-pays may have been applied, per the policy terms.

The Explanation of Benefits will be sent automatically to the email address on file once the claim is reviewed.

If your claim(s) were denied, proceed to Step 3 below.

We understand how disheartening it can be to have your travel insurance claim denied. While we are not able to influence the insurance company's determination, we encourage you to submit additional information which you believe will support your claim. Remember, you have the right to appeal and request WorldTrips to review your claim again.

Important: Please note that $0 paid may not mean the claim was denied. You need to view your Explanation of Benefits in your Trawick International Account in case additional information is needed