As one of our guiding principles, we believe it is imperative to respond quickly to those who have been victimized by traumas to ensure they are believed, helped, and supported throughout their recovery process. That process begins here.
Any claims process can often be stressful, but we're here to make sure you're getting the support you need when you need it most. Use the resources below to help guide your understanding of the claims process for any Trauma Coverage® claim.
How Trauma Coverage Works
You purchase a coverage plan
You're traumatized by a covered incident
You file a claim with our claims center
You're paid a benefit to help your recovery
Filing a Claim
Check that your incident is covered
Covered incidents are listed below. If you're with an affiliated group and looking to submit a claim for an incident not listed below, please call 1-855-631-1421. To see further details on what defines these covered incidents, click here.
Infected by Disease
Everywhere in the U.S.
Infected by Disease
Have the information you need to file
In order to approve any claim submitted, we'll need a few things. Please have this information on hand when you file.
- Name of the insured
- Policy number
- Phone number
- Mailing address
- The date of the incident (if applicable)
- A brief description of the reason for the claim
Submit a Violent Incident Claim
Submit an Infectious Disease Claim
Coverage is for insureds when they become physically ill and confined to a hospital as an inpatient due to an infectious disease after suffering an accident while on business for/or on the premises of their employer in the course of their educational curriculum (dependent children) which resulted in either ruptured skin or unintentional contact with blood or certain bodily fluids of a third party such as blood, urine, vomit, rectal fluids, vaginal fluids, semen (cum), pre-seminal fluid (pre-cum), or breast milk. The disease must be listed, on the date of the accident, by the Centers for Disease Control and Prevention on the National Notifiable Diseases Surveillance System. Current National Notifiable Diseases are listed here [Note: COVID-19 is listed but is excluded from coverage.] 2) while at work while in the United States. Please review your policy for complete details.
In order to receive benefits, you must within sixty (60) days test disease positive for an infectious disease and be unable to either carry out the material duties of your regular occupation or attend your educational curriculum due to the infectious disease. You must within a period of five (5) days following the accident concerned undergo an initial test made by a registered medical practitioner in accordance with laboratory and clinical criteria - you must advise us of the facility conducting the initial test within five (5) days following the accident, or as soon as possible thereafter if the accident occurs over a weekend or a public holiday. In order to verify the accidental exposure to the infectious disease, we'll need a copy of the workplace incident report. A physician’s statement that this is the first time you’ve tested positive for the infectious disease is also required before benefits will be paid. We understand you may not have one at this time, so we will include instructions in our follow-up email to your submission of a claim for benefits which must be submitted in full within fourteen (14) days following the diagnosis or discharge from the hospital, whichever the latter.
This benefit summary book explains covered incidents and plan benefits. Click Here to View.
If you are looking to follow up about an existing claim, or have questions please call 1-855-631-1421.