If you lose money because of a travel mishap or last-minute cancellation, how do you get reimbursed by your travel insurance provider?

Easy! You just file a claim online.

The Allianz Travel Insurance claim process is simple, and help is always available if you have questions. Here’s what to do, step by step.

First, gather documents related to your travel insurance claim.

In the online claim filing process, we’ll ask you for some detailed information about what happened. So it’s helpful to collect key documentation ahead of time. Not sure if you have all the records you need? Don’t worry! We’ll help you figure that out during the claim process. In general, it’s a good idea to pull together:

• Your travel insurance plan documents: You can find these in your email, in our online portal, or in the free Allyz® app.
  
  You’ll want to make sure your specific situation is covered by your travel insurance plan. Check the benefits, coverage limits, covered reasons for trip cancellation and interruption, and exclusions.

• Your travel itinerary and invoices: You’ll want to have dates, destinations, flight numbers, etc. at your fingertips.

• Receipts for any expenses related to the claim

• Anything that helps tell the story of what happened: This could include photos; emails or messages from your travel provider or vacation rental host; text updates from your airline; a news story about the blizzard that grounded your flight, etc.

Step 1: Initiate your online travel insurance claim.

There are two ways to do this.

Go to the Allianz Travel Insurance Claims Center on your computer or mobile device.

• Click “Start New Claim.”
• Select your plan type.
• Enter the plan number or email address used to buy the plan, as well as the date of purchase or effective date.

Open the Allyz® app on your phone.

• Log in or create an account.
• Then, tap “+ Add” in the claims section of the home screen.
• Select the plan that applies to your claim. If you don’t see it, tap “Add plan.”

Then, enter the dates of your trip and the type of claim, such as trip cancellation, baggage delay, trip delay, a medical expense, etc.

Pro tip: Before you begin, think about whether it’ll be easier for you to upload documents from your phone, your tablet, or your computer.

Pro tip: Make sure you block out enough time (at least 15 minutes) to complete your claim filing. You can’t save a claim in progress.

Step 2: Explain what happened.

You’ll be prompted to answer questions about the situation that’s causing you to file a claim, such as:

• What happened?
• When did it happen?
• Who was affected?

For example: The airline lost your suitcase the day before you embarked on your cruise, which meant you and your spouse (both named in the plan) had to purchase new clothes and toiletries.

If you don’t see your specific situation listed in the drop-down for “Select a claim reason,” you can choose “Other.” Just be aware that travel insurance claims must be based on a covered reason; that is, a reason that’s specifically named in your plan.

If your travel losses were caused by a reason that’s not covered, your claim may be denied. One exception: If you purchased the Cancel Anytime upgrade to the OneTrip Prime or OneTrip Premier plan, you can file a claim for trip cancellation for almost any reason.

Pro tip: In this section, you have the option to provide more details in a form field. While you don’t need to write a super-long story about what happened, it’s a good idea to share as many specifics as you can.

Step 3: Add up your claim-related expenses.

Here, you’ll enter the details of the loss(es) you experienced during your trip, including the type and the monetary amount of each. You’ll see a running tally of your total claim amount at the bottom of the screen.

If you’ve received, or if you’re expecting to receive, any kind of refund or credit for these losses, then enter that amount as well. It’s important to be honest and accurate. If you exaggerate your losses, or try to claim a loss that was actually refundable, then your claim may be denied.

Pro tip: Don’t forget to check the benefit limits in your plan. For example: If your plan includes up to $200 per day for travel delay benefits, then any claim amount over that limit won’t be paid.

Step 4: Upload supporting documents.

Now it’s time to submit supporting documentation, which is determined by the type of claim. For example, if you’re submitting a trip cancellation claim, you’ll need to upload the following:

• Trip itinerary (including traveler information, trip details, a breakdown of costs, and payment information)
• Proof of payment, including receipts and credit card statements.
• Documents showing the exact amounts of any fees or penalties charged or refunds received, the penalty schedule, and proof that your booking was non-refundable. 
• Proof of incident for the event that cause you to cancel the trip. This could include a police report for a car accident; or in the case of a medical emergency, a letter from your doctor, a bill for medical care, or other documentation (your documentation is completely confidential).

You can find the documentation needed for all types of travel insurance claims here.

It’s better to submit too much documentation than too little. Upload anything you think might be relevant and can help back up your claim. If something important is missing, that will slow down the claim reimbursement process.

Many file types are accepted (such as PDF, JPG, PNG, DOC, XLS). However, shared files such as Google Docs are not accepted. Don’t combine all your documentation into a single file. You can’t upload anything larger than 7MB.

Pro tip: Always take photos of important receipts while you’re traveling. That way, you don’t have to worry about losing them—and they’re ready to upload if you need to file a claim.

Step 5: Choose how you want to receive reimbursement.

Your options are electronic funds transfer, which is the quickest way to get reimbursed, or a paper check. If you choose the electronic transfer, you’ll need your bank’s routing number and your account number, or your debit card information.

Pro tip: Reimbursement isn’t immediate. Our claims processing team needs time to review all your documentation.

Step 6: Review your claim.

Take a few minutes to double-check the information in your claim. Once it’s submitted, you can’t edit the claim.

After your claim has been received, you’ll receive a confirmation email with your claim number. Be sure to include this claim number on any additional documentation that you submit. You can check your claim status online anytime, either in the app or in the Claims Center.

Pro tip: While you can’t edit the details of the claim, you can add more documents to the claim after you submit it. So if you can’t find every receipt you need right away, it’s OK. Just go back to your claim and add them as soon as you can.

My travel insurance claim was denied. What should I do now?

If you have questions about why your claim was denied, you can call Customer Service at 1-866-884-3556.

If you disagree with the reason your claim was denied, you can appeal. Please upload additional documentation to your existing claim, and an examiner will reconsider your claim.

Related Articles

• Everything You Need to Know About Canceling a Trip Due to Illness or Injury
• Your Guide to Travel Insurance and Job Loss
• Trip Cancellation Insurance: Covered Reasons Explained