Claims Guide

How to File an Insurance Claim

A clear, step-by-step guide to filing and processing your travel insurance claim

Claims Overview

If you need medical treatment during your trip to Ukraine, your insurance provider is your first point of contact. The claims process is designed to be straightforward, but following the right steps ensures faster processing and better outcomes.

4-Step Claims Process

Contact Your Insurer

Call the 24/7 emergency assistance line as soon as possible. They'll guide you through the process and can often arrange direct payment to the medical facility.

Document Everything

Collect all medical reports, receipts, prescriptions, and invoices. Take photographs of every document as backup. Get a written diagnosis from your treating doctor.

Submit Within 30 Days

Submit your complete claim with all supporting documents within 30 days of the incident. Ensure all paperwork is complete to avoid delays.

Track Your Claim

After submission, you'll receive a claim reference number. Use this to track the status of your claim through the insurance provider's channels.

Required Documents

Completed claim form (provided by insurer)
Copy of your insurance certificate
Copy of your passport
Medical reports and diagnosis
Itemized receipts for all medical expenses
Pharmacy receipts for prescribed medications
Ambulance/transport receipts (if applicable)
Police report (for accidents or incidents)
Proof of travel dates (boarding pass, entry stamp)

Processing Timeline

Stage	Timeframe
Initial contact & pre-authorization	Immediate (24/7 hotline)
Document submission deadline	Within 30 days of incident
Simple claims processing	1-4 weeks
Complex claims processing	4-8 weeks
Payment after approval	5-10 business days

Tips for a Successful Claim

Always contact your insurer BEFORE seeking treatment when possible (pre-authorization)
Keep original copies of all documents — don't give away your only copy
Photograph every receipt, report, and prescription immediately
Get an English-language diagnosis if possible (private clinics usually provide this)
Submit your claim as soon as you have all documents — don't wait until the deadline
Follow up regularly on your claim status
If your claim is denied, request a detailed explanation and consider appealing with additional documentation

Refund Policy

If you need to cancel your insurance:

Full refund: Available if cancelled 3 or more days before the coverage start date.
No refund: After coverage has begun, no refund is available.
Visa rejection: If your visa is rejected, you may qualify for a refund with proper documentation from the embassy.

Get Protected Before You Travel

Don't wait until you need to file a claim. Get insured now, travel with confidence.

Get Your Quote →