Comprehensive Trip Protection Claims - GO & OnTour

• Email - Send all relevant claims forms and supporting documentation (see sections below) via email to NWTravClaims@cbpinsure.com and make sure to CC us at support@gowanderwell.com. Make sure to include forms and supporting documents linked below.
• Online - Click here to upload your claim and related documents to the claims administrator -CBP Connect/Nationwide Claims. Make sure to include forms and supporting documents (see sections below). *This avenue becomes more effective after you submit via email and your case has a claim number and is being reviewed by an examiner.

• Trip Cancellation: The Trip Cancellation benefit is designed to reimburse you for insured, nonrefundable, forfeited trip costs should you be prevented from taking your trip and completely cancel your trip for any of the listed reasons in the policy certificate that are Unforeseen and takes place after your Effective Date and prior to your departure. See the Trip Cancellation section of your policy certificate for specific details and covered perils.
  • Obtain proof of cancellation and no refund from your travel planner, airlines, and other accommodations. *If some of your travel companions are still planning to attend, wait until after they return so you can show proof that you did not check in.
  • Completed and signed Trip Cancellation Claim Form
  • If canceling due to medical reasons, include the Attending Physician's statement, completed and signed by your attending physician. A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
  • Proof of purchase/receipts from airlines, travel planner, and other accommodations.
  • *More documentation and information may be requested from the claims examiner.
  • *Submitted scanned documents rather than photographs of documents will generally be more legible and lead to a quicker examination.

• Trip Interruption: The Trip Interruption benefit is designed to reimburse you for insured, pre-paid, unused, nonrefundable, forfeited trip costs should you interrupt your trip after your departure or if you join your trip after your Scheduled Departure Date due to any of the Unforeseen reasons listed in the policy certificate. See the Trip Interruption section of your policy certificate for specific details and covered perils. 
  • Obtain proof of interruption and no refund from your travel planner, airlines, and other accommodations.
  • Completed and signed Trip Interruption Claim Form.
  • If interrupting due to medical reasons, include the Attending Physician's statement, completed and signed by your attending physician. A Physician must advise to cancel the Trip on or before the Scheduled Return Date.
  • Proof of purchase/receipts from airlines, travel planner, and other accommodations.
  • *More documentation and information may be requested from the claims examiner.
  • *Submitted scanned documents rather than photographs of documents will generally be more legible and lead to a quicker examination.

• Trip Delay: The Trip Delay benefit is designed to reimburse (up to a per-day maximum and a per-trip maximum) for Covered Trip Delay Expenses if you are delayed, while coverage is in effect, en route to or from the Trip due to a defined Hazard (refer to your policy certificate for a list of defined Hazards). This benefit is triggered when the delay is beyond a specific amount of hours.
  • Obtain official proof of delay from your common carrier - airlines, cruise, train, etc.
  • Completed and signed Travel Delay or Missed Connection Claim Form
  • Eligible receipts for accommodations and lodging.

• Emergency Accident & Sickness (Medical Expense): The Emergency Accident & Sickness Medical Expense benefit is designed to reimburse you for Covered Medical Expenses for Necessary Treatment of an Accidental Injury or a Sickness that occurs during the Trip.
  
  • Obtain Medical Reports, Bills/Invoices, and Receipts for expenses incurred
  • Credit Card Statements
  • Completed and signed Emergency Accident & Sickness (Medical Expense) Claim Form

  • WHILE TRAVELING...If you need emergency travel assistance, please contact the 24/7 Emergency Travel Assistance Services provider - On Call International - at one of the following numbers:

    • TOLL-FREE (within the USA & Canada): 833-808-0232

    • COLLECT(outside of the USA & Canada): 978-651-1254

• Baggage & Personal Effects: Coverage for Baggage & Personal Effects is subject to any coverage provided by a Common Carrier all Other Insurance and shall apply only when such other benefits are exhausted. In order for a claim to be processed under this Coverage, a loss or theft report must be filed with local law enforcement authorities, the Common Carrier, Travel Supplier, tour leader or with a representative of the venue or location where the loss or theft took place. See the Baggage/Personal Effects section of your policy certificate for specific details. 
  • Obtain official proof -  of loss or theft report
  • Completed and signed Baggage & Personal Effects/Baggage Delay Claim Form
• Baggage Delay (En Route to Destination Only): See the Baggage Delay (En Route to Destination Only) section of your policy certificate for specific details. 
  • Obtain official the Common Carrier who must certify the delay or misdirection
  • Completed and signed Baggage & Personal Effects/Baggage Delay Claim Form
  • Receipts for the purchases must accompany any claim.

Claim Forms Links:

• Trip Cancellation
• Trip Interruption
• Travel Delay or Missed Connection
• Baggage & Personal Effects/Baggage Delay
• Accidental Death & Dismemberment (AD&D)
• Accident & Sickness (Emergency Medical) Claim Form
• Pet Medical Expense
• Collision Damage Waiver
• Property Damage Claim Form

Helpful Tips:

• Some forms have a section that you can complete to expedite the claims process by marking "Yes" and enter your email address in the appropriate field.
• Make sure to include your Certificate # for your policy. You can find your certificate # on your confirmation email from enrollments@gowanderwell.com.
• Submitted scanned documents rather than photographs of documents will generally be more legible and lead to a quicker examination.
• For Trip Cancellation claims:
  • If some of your travel companions are still planning to attend, wait until after they return so you can show proof that you did not check in.
  • If you have the optional Cancellation for Any Reason (CFAR) upgrade, make sure you review the CFAR eligibility requirements, which include time-sensitive items to be familiar with.
• Once you have confirmation that your claim is being reviewed, you will have access to the Claims Portal.
• For Claim Status please contact the third-party claims examiner - Co-Ordinated Benefit Plans (CBP/Nationwide Claims) - at 727-725-7522 or check in the Claims Center. Make sure to have your Certificate # and Claim # for reference. They open at 8:30am Eastern Time on weekdays.
• After submitting a claim, if you have not received an initial response from our Claims Administrator within 10 days, please email us at support@gowanderwell.com.

• Completed and signed claim form for Trip Cancellation, Trip Interruption, Trip Delay (see links above)
• If claim is for sickness of COVID-19...
  • Copy of your COVID-positive lab or technician-certified test which includes the patient’s name, the date of the test and the date of the test results.
  • A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
• Trip itinerary and invoice with dates of travel and total trip cost.
• Proof of payment for your trip arrangements. We accept credit card and/or bank statements and/or canceled checks showing the front and back.
• Proof of cancellation/refund. A letter or statement from the travel supplier showing the cancellation date, amount forfeited and amount refunded. Please be sure the cancellation notification you submit includes the amount forfeited (nonrefundable amount) and the amount of any refunds issued.
• A copy of your policy confirmation of coverage (if available).
• Physician Statement. This is included on the claim form and must be completed in its entirety.
• Death Certificate and/or obituary (if cancelling due to death).
• Other documentation which demonstrates that your trip was canceled due to a covered peril under the Trip Cancellation coverage.
• Airline Agreement. (Download the Airline Agreement Form Here)
  • In the event of death or illness the airline will often refund a non-refundable ticket.
  • If a refund is not available, most airline tickets can be used up to one year from the original date of issue with a change fee. By claiming your tickets with us, you agree that you have not used or exchanged these tickets and will not use this credit in the future.
• If claim if for sickness of COVID-19...
  • Copy of your COVID-positive lab or technician-certified test which includes the patient’s name, the date of the test and the date of the test results.
  • A Physician must advise to cancel the Trip on or before the Scheduled Departure Date.
  • For quarantine due to exposure to COVID, please provide documentation from your physician or your local health department which verifies the date of your exposure to coronavirus/COVID-19 and the dates you were unable to travel because you were required to quarantine.
  • If you wish to file a claim because, while on your trip, you were required to quarantine due to COVID illness or exposure, please provide the following:
    • Completed and signed Trip Delay Claim Form
    • Complete original trip itinerary (including flights) with dates of travel and total trip cost.
    • Proof of payment for your original trip arrangements. We accept credit card and/or bank statements and/or canceled checks showing the front and back.
    • New/Revised Flight Itinerary with departing and arrival times (to document the date you returned from your trip), charges and proof of payment.
    • Receipts for the additional expenses incurred during your delay (hotel, meals, etc.).
    • Copy of your COVID positive test which includes the patient’s name, the date of the test and the date of the test results.
    • Copy of quarantine order issued by local authorities at your destination.
    • A copy of your policy confirmation of coverage (if available).

*NOTE: COVID tests taken for the purpose of travel are not a covered expense.

Related Pages: Claims Support Center