I have health insurance, Need Help? Travel Insurance

why would I consider this? Information provided by the Information provided by the Delaware Department of Insurance Delaware Department of Insurance Not all health insurance policies cover health care when rendered outside of the country. If you are enrolled in a limited The Delaware Department of Insurance benefit policy or Medicare you will not have any coverage even if it is a true is here to help if you have questions medical emergency. about, or problems with, your insurance coverage or insurance company.

Questions about insurance or When should I complaints about an insurance company buy this insurance? or insurance agent can be made to the If you plan on purchasing travel insurance Consumer Services division by phone, it is best to review your options when by fax, by letter, by email or with an What is Travel Insurance? you start making your travel plans. You online complaint form: may want to shop around to ensure you Travel insurance protects you medically and financially while you are traveling overseas. are getting the coverage needed. Also, if Toll-free in Delaware: you have an existing medical condition you will want to be sure it will be covered 1-800-282-8611 What does Travel insurance cover? as a pre-existing condition. It is best to or (302) 674-7310 purchase when making your trip deposit Travel insurance coverage varies by company and coverage elected. Coverage can include: but can be purchased the day before you Fax: 302-739-6278 leave on your trip if necessary. •Cancellation, delayed or missed connection coverage E-mail: [email protected] •Lost/stolen/damaged luggage insurance.delaware.gov •Emergency medical care and possibly Where can I transportation buy this insurance? You can purchase this insurance through Delaware Department of Insurance your travel agent, at the airport or possibly 841 Silver Lake Blvd. Trinidad Navarro through your automobile insurance agent Dover, DE 19904 Insurance Commissioner or company. 302-674-7300 How do I file a claim?

Always review your policy or certificate For lost/stolen baggage claim: For a trip cancellation claim: prior to leaving on your trip. This will If you have had your baggage stolen or If your trip was cancelled by you or tour prepare your for what documents you will lost for more than your first day of the operator you will need: need in case you have to use the coverage. trip and need to replace the items you •Receipts and itemized bills for all will need: expenses Examples of documents you will need: •Original proof of any refunds or •Original proof of any refunds or expense reimbursement received expense reimbursement received from *These are just an examples. Your policy from the travel agency or airline, etc. may require additional information. the travel agency or airline, etc. •Copy of resort or rental contract/ • Copy of resort or rental contract/invoice For a medical claim: invoice •Official document that explains the If you have had an accident or illness while •Original claim filing with resort, reason for the cancellation. If for medical on vacation you will need: travel agent, airline, etc. reasons you will need a doctor’s note. •An itemized list of all charges submitted •Original police or local authority •Original unused tickets, copies of the on the hospital or doctor’s letterhead report invoice and proof or payment •A copy of the medical records to • Original receipts, credit card •A statement from the travel agent include a statement from the doctor if statements and list of stolen or or tour operator stating any non- possible damaged items refundable amounts. •Proof of any/all payments you made •Proof of loss to include date, time As with all insurance claim submissions, towards these charges. and cause make a copy of the completed claim As with all insurance claim submissions, As with all insurance claim submissions, form, supporting documents and proof of make a copy of the completed claim form, make a copy of the completed claim payment for your records supporting medical records and proof of form, supporting documents and proof payment for your records. of payment for your records. Please Note: Just like any other insurance product, the costs, benefits and exclusions for each travel policy will vary. It is very important that you read the “fine print” before you make any purchase.