In most scenarios, travel insurance reimburses you for your covered financial losses after you file a claim and the claim is approved. Filing a claim means submitting proof of your loss to your insurance agent, or in this case UniAmerica Insurance so we can verify what happened and reimburse you for your covered losses.
How does this work in real life? Let’s say you purchase a plan with us which includes trip cancellation benefits, to protect your upcoming cruise to Florida. Two days before departure, you experience a high fever and don’t feel well enough to travel. Your doctor diagnoses you and advises you to cancel the trip. When you notify the cruise line, they tell you it’s too late to receive a refund.
Without travel insurance, you’d lose the money you spent on your vacation. Fortunately, a serious, disabling illness can be considered a covered reason for trip cancellation, which means you can be reimbursed for your prepaid, nonrefundable trip costs. Once you’re feeling better, you gather the required documents — such as your airfare and cruise line receipts and refund information — and you file a claim. You can even choose to receive your reimbursement via direct deposit, to your debit card or check.
Sometimes, this process works a little differently. Travel insurance may pay your expenses up front if you require emergency medical treatment or emergency transportation while traveling overseas.