What to Include With Your Travel Insurance Claim

1. Complete Travel Itinerary
   • Provide an official travel itinerary listing passenger names, travel dates, and fare costs.
   • Acceptable sources:
     • Travel agent
     • Online booking website
     • Airline/common carrier
     • Hotel/lodging provider
   • Examples:
     • Flight schedules
     • Hotel confirmations
     • Cruise/tour itineraries
2. Proof of Trip Payment
   • Itemized travel invoices, e-tickets or paper tickets, hotel charge receipts, service fees, and accommodation expense records.
   • Include credit card statements showing payment for travel arrangements.
3. Accident/Incident Reports (if applicable)
   • For automobile accidents: a completed accident or incident report.
4. Police Reports or News Articles
   • Copies of all police reports or newspaper articles describing the accident or incident.
5. Certified Copy of Death Certificate
   • Required for all claims involving a death.
6. Medical Authorization Form
   • A completed Medical Authorization form for each treating medical facility (HIPAA-compliant).
7. Medical Records and Physician Notes
   • Admission/discharge summaries, physician’s notes, UB-04 forms (hospital billing forms), and any other relevant medical documentation.
8. Medical Bill Statements/Invoices
   • Original medical bills (if you have no other insurance), including date of service, amount billed, type of service, and diagnosis.
9. Explanation of Benefits (EOB)
   • If you are covered under another insurance policy, submit the EOB from your primary insurer showing payment or denial of claim.
10. Receipts/Proof of Payment for Medical Expenses
    • Copies of invoices and/or receipts for all medical-related expenses.
    • Note: Cash and cashier receipts are NOT eligible for reimbursement; include only official receipts.
11. Government-Issued Photo Identification
    • A copy of your valid ID (e.g., passport, driver’s license).

Pro Tip: Gather all relevant documents before filing your claim to prevent delays. For help with the claims process, visit starrtravelinsurance.com/Claims or call our claims support team at 866-477-6741.

Required Documents for Baggage Delay and Travel Delay Insurance Claims
When you experience a travel delay or baggage delay, submitting the correct documentation is essential for a smooth travel insurance claims process. Here’s a checklist of what you should provide with your claim to ensure prompt review and reimbursement.
Essential Documents for Your Travel Insurance Claim

1. Complete Travel Itinerary
   • Official copy showing names of travelers, travel dates, and fare costs.
   • Source: travel agent, airline, online booking site, cruise line, hotel, or other common carrier.
   • Examples:
     • Flight schedule
     • Hotel confirmation
     • Tour or cruise itinerary
2. Proof of Trip Payment
   • Itemized invoice, e-ticket or paper ticket, hotel bills, service fees, and any charges for accommodations.
   • Include credit card statements verifying payment for reservations.
3. Confirmation of Delay
   • Written documentation from the airline, cruise line, or other transportation provider confirming the delay occurred.
4. Confirmation of Length of Delay
   • Official statement from the carrier explaining the duration of the delay (how many hours/days your luggage or travel was affected).
5. Itemized Receipts for Essential Purchases
   • Receipts for necessary items (clothing, toiletries) bought while your baggage was delayed.
   • Must clearly show: place of purchase, date of purchase, and list of items.
   • Only essential personal effects purchased due to the delay are eligible.
6. Delivery Invoice (if applicable)
   • If your delayed baggage was delivered to you and you were charged for delivery, provide a copy of the invoice showing this cost.
7. Government-Issued Photo Identification
   • A clear copy of a valid passport, driver’s license, or other official ID.

Pro Tip: Collect your documents as soon as the incident occurs. Saving airline delay notifications, receipts, and delivery charges makes your claim easier and faster to process. How to Submit YourClaim
Visit starrtravelinsurance.com/Claims to file online. Upload all required documents and track your claim status, or call 866-477-6741 for assistance.

Required Documents for Baggage Loss Travel Insurance Claims
If your baggage is lost during travel, providing the correct documentation ensures your claim is processed smoothly and quickly. Here’s a checklist of what you’ll need to submit for a baggage loss claim with Starr Travel Insurance.
Essential Documents for Baggage Loss Claims

1. Complete Travel Itinerary
   • Official copy showing names of travelers, travel dates, and fare costs.
   • Source: travel agent, airline, online booking site, cruise line, hotel, or other common carrier.
   • Examples:
     • Flight schedule
     • Hotel confirmation
     • Tour or cruise itinerary
2. Proof of Trip Payment
   • Itemized invoice, e-ticket or paper ticket, hotel bills, service fees, and any charges for accommodations.
   • Include credit card statements verifying payment for reservations.
3. Confirmation of Delay
   • Written documentation from the airline, cruise line, or other transportation provider confirming the delay occurred.
4. Confirmation of Length of Delay
   • Official statement from the carrier explaining the duration of the delay (hours/days your luggage or travel was affected).
5. Itemized Receipts for Essential Purchases
   • Receipts for necessary items (clothing, toiletries) bought while your baggage was delayed.
   • Must clearly show: place of purchase, date of purchase, and list of items.
   • Only essential personal effects purchased due to the delay are eligible.
6. Delivery Invoice (if applicable)
   • If delayed baggage was delivered and you were charged, provide a copy of the invoice showing this cost.
7. Government-Issued Photo Identification
   • A clear copy of valid passport, driver’s license, or other official ID.

Pro Tip: Gather all documentation immediately after your baggage loss occurs to prevent delays. Save original receipts, airline/cruise alerts, and official reports.
How to File Your Baggage Loss Claim
File your claim online at starrtravelinsurance.com/Claims or contact our claims team at 866-477-6741 for assistance. Upload your documents and track your claim status easily through the online portal.

What to Submit with Your Medical Expense Claim

1. Official Travel Itinerary
   • A full copy showing all traveler names, travel dates, and fare costs.
   • Issued by your travel agent, online booking site, airline, cruise line, or hotel.
   • Typical examples:
     • Flight confirmation
     • Hotel booking
     • Tour/cruise itinerary
2. Accident/Incident Report
   • If available (required for automobile accidents).
   • Documentation provides official details of the accident or incident leading to medical treatment.
3. Completed Medical Authorization Form
   • Submit a signed Medical Authorization (HIPAA-compliant) for each facility that treated you.
   • This form allows the claims team to request medical records if needed.
4. Medical Records
   • Include documents such as admission/discharge summaries, physician’s notes, and UB-04 forms (hospital bill summaries).
   • These records support the need for and details of your medical treatment.
5. Medical Bill Statements/Invoices
   • If you have no other health insurance: Submit original, itemized medical bills showing date of service, diagnosis, billed amount, and type of medical service performed.
6. Explanation of Benefits (EOB)
   • If you have primary domestic health insurance: Provide the EOB from your main insurer showing payments made or denial of claim for the services related to your travel medical incident.
7. Receipts/Proof of Payment for Medical Expenses
   • Submit copies of all invoices and official receipts for each out-of-pocket medical expense you incurred.
   • Important: Cash or cashier receipts are NOT eligible for reimbursement—make sure you submit only itemized, official receipts.
8. Government-Issued Photo Identification
   • Include a clear copy of your current passport, driver’s license, or other official ID.

Pro Tip: Gather all necessary paperwork during or immediately after your medical treatment—this reduces delays and helps your claim move forward faster.
How to FileYour Medical Claim

• File your claim online at starrtravelinsurance.com/Claims
• Upload all required documents directly via the claims portal.
• Need help? Call our claims support specialists at 866-477-6741 for step-by-step assistance.

Required Documents for Rental Car Damage Travel Insurance Claims
If you’ve experienced damage or loss to a rental car during your trip, submitting the correct documentation is crucial to ensure your claim is processed quickly and efficiently. Use the checklist below to make sure your rental car insurance claim is complete. Checklist: What to Submit for a Rental Car Damage Claim

1. Official Travel Itinerary
   • Full itinerary showing traveler names, travel dates, and fare/cost details.
   • Accepted from: travel agent, online booking site, airline, common carrier, or lodging provider.
   • Includes: flight confirmation, hotel booking, or cruise/tour itinerary.
2. Proof of Trip Payment
   • Copies of itemized invoices, e-tickets, hotel charges, service fees, accommodation expenses, and credit card statements.
3. Police or Incident Report
   • Copy of a police report and/or rental agency incident report.
   • Must show:
     • Date of loss
     • Driver’s details
     • Vehicle information
     • Statement explaining the circumstances
4. Proof of Insurance
   • Driver’s Insurance Declarations page (from your personal auto policy, if applicable).
5. Rental Agreement
   • Full signed copy of your rental agreement/contract.
6. Demand Letter or Invoice from Rental Agency
   • Copy of the demand letter or invoice requesting payment, issued by the rental company.
7. Itemized Estimate of Damages/Repairs
   • Detailed estimate or invoices showing specific repair costs.
8. Photographs of the Damages
   • Clear images of all vehicle damage.
9. Proof of Payment for Damages
   • Official receipts or confirmation of payment for repair charges.
10. Fleet Log / Utilization Report (if applicable)
    • Report from the rental company detailing vehicle usage/availability during repair.
    • Must be location- and class-specific and show the utilization rate for each day claimed, OR receipt showing the rental company paid for repairs.
11. Government-Issued Photo Identification
    • Legible copy of a valid passport, driver’s license, or other official ID.

• File your claim online at: starrtravelinsurance.com/Claims

• Call: 800-567-3512 (within US) | 610-977-3224 (Puerto Rico), M-F 7am–8pm ET
• Email: aci247@acitpa.com

• Call: 866-477-6741 | Email: info@starrtravelinsurance.com
• Support hours: Monday – Friday, 7am – 10pm ET

Required Documents for Trip Cancellation, Interruption, or Delay Insurance Claims
If your trip is canceled, interrupted, or delayed for any covered reason, having the right documentation is critical for a successful travel insurance claim. Here’s a checklist of what you should provide to Starr Travel Insurance for prompt claim processing and reimbursement.
Trip Cancellation & Interruption Claims — What to Include

1. Complete Travel Itinerary
   • A copy of your official travel itinerary showing traveler names, dates, and total trip costs.
   • Accepted from: travel agent, online booking site, airline/common carrier, hotel, or lodging provider.
   • Examples:
     • Flight schedule
     • Hotel confirmations
     • Tour/cruise itinerary
2. Proof of Trip Payment
   • Itemized travel invoices, e-tickets or paper tickets, hotel charges, service fees, accommodation expenses, and credit card statements.
3. Confirmation of Reason for Cancellation/Interruption/Delay
   • Documentation to support the cause of your claim, such as:
   • • Completed physician statement (for illness/injury)
     • Confirmation of death for an immediate family member
     • Records confirming other covered medical or non-medical reasons
4. Cancellation Letter from Travel Supplier
   • Official cancellation letter from your tour operator, travel agency, airline, cruise line, or carrier.
   • Should include cancellation policies and reasons for cancellation.
5. Travel Supplier Penalty Terms
   • Details of penalty terms from the affected travel company, carrier, lodging, or other provider (i.e., documentation showing what portion of your payment is non-refundable).
6. Documentation Showing Any Refunds
   • Proof of any refunds received from suppliers, including amounts and payment method.
7. Additional/Out-of-Pocket Expense Receipts
   • Receipts for extra costs or expenses incurred due to trip delay or interruption, such as meals, transportation, or emergency accommodations.
   • Note: Reimbursement is subject to policy terms and conditions—retain and submit only eligible expenses.
8. Physician Statement (if applicable)
   • Form or letter signed by your attending physician, confirming medical necessity for cancellation or interruption.
9. Government-Issued Photo Identification
   • Copy of valid passport, driver’s license, or other official photo ID.

Pro Tip: Collect all required documents as soon as the incident occurs, and review your policy for specific coverage and limits. Submitting complete paperwork avoids claim processing delays.
How to File Your Claim

• Online: Visit starrtravelinsurance.com/Claims to file and upload documents.
• Support: Questions or need help? Call 866-477-6741 for expert claims assistance.

Required Documents for Trip Delay & Missed Connection Travel Insurance Claims
If your trip is delayed or you experience a missed connection—due to airline, cruise, or other transportation issues—you’ll need to submit the right documents to process your travel insurance claim efficiently. Use this checklist to ensure you provide everything needed for prompt review and reimbursement.
Trip Delay & Missed Connection Claim Checklist

1. Official Travel Itinerary
   • Copy showing names of all travelers, travel dates, and fare costs.
   • Issued by your travel agent, online booking website, common carrier, hotel, or lodging provider.
   • Includes:
     • Flight schedules
     • Hotel confirmations
     • Tour/cruise itineraries
2. Proof of Trip Payment
   • Itemized travel invoices, e-tickets or paper tickets, hotel charges, service fees, accommodation expenses, and credit card statements.
3. Confirmation of Reason for Delay or Missed Connection
   • Documentation supporting the cause of the delay or missed connection, such as:
   • Common carrier cancellation or delay notices (from airline, cruise, train, etc.)
   • News articles describing the loss/event
   • Official documentation confirming any other non-medical cause
4. Cancellation Letter from Travel Supplier
   • Official letter from your tour operator, travel agency, carrier, or service provider—including cancellation policies and the reason for cancellation.
5. Travel Supplier Penalty Terms
   • Statement of penalty terms from the affected travel company, carrier, lodging, or provider (details about non-refundable payments and cancellation rules).
6. Documentation Showing Any Refunds
   • Records of any refunds issued by travel suppliers, with amounts and payment details.
7. Receipts for Additional/Out-of-Pocket Expenses
   • Receipts for extra costs incurred due to delay or missed connection (meals, lodging, new transportation, etc.).
   • Note: Reimbursement is limited by policy terms and conditions; only necessary, properly documented expenses are considered.
8. Government-Issued Photo Identification
   • Clear copy of your passport, driver’s license, or other official ID.

Pro Tip: Gather all documents related to your delay or missed connection as soon as the incident occurs—including official notices, receipts, and supplier communications—for faster and smoother claim processing.
How to File Your Claim

• Online: Submit your claim and supporting documents at starrtravelinsurance.com/Claims
• Need Help or a Claim Form?

• **Call:** 800-567-3512 (within US), 610-977-3224 (Puerto Rico); M-F 7am–8pm ET
• **Email:** aci247@acitpa.com
• General Support: 866-477-6741 | info@starrtravelinsurance.com | Monday–Friday, 7am–10pm ET