What is an emergency situation?

• You are hospitalised
• You are receiving outpatient hospital treatment, and the total cost will exceed $1,500.
• You are undergoing any medical treatment in the United States.
• Your medical bill exceeds $1,500, and you require assistance with payment or a payment guarantee.
• You are seriously ill or injured.
• You require medical assistance.
• You have been involved in a motor vehicle accident.
• You have been robbed or assaulted and need support.
• You have become stranded overseas or are affected by severe weather or a natural disaster.
• Your flight has been canceled, leaving you stranded.

What should I do if I have an emergency?

• Contact our Emergency Assistance Team [insert link] as soon as practically possible.
• SO we can assist you as quickly and efficiently as possible please be prepared with:

• Your travel insurance policy number.
• A phone number we can contact you on.
• A description of what has occurred and what you need.
• If you are ill or injured, a list and details of the medical treatments you have received.

What should I do in a non-emergency situation?

• If your claim will be less than $1,000 and you require no further assistance, you can simply submit a claim at your convenience.
• For damage, loss or theft of your personal effects or luggage, report the incident to a relevant authority within 24 hours (police, hotel, airline, cruise company, tour guide etc) and obtain a copy of the report.
• Submit your claim within 31 days of your return.