Get a certificate for a travel insurance claim

A certificate for a travel insurance claim is a medical document used to confirm your health condition at a specific point in time when requested by a travel insurance company. It may include your diagnosis, symptoms, treatment, medical limitations, and how your condition affected your travel.

This certificate is commonly requested to open an insurance case, support reimbursement of medical expenses, justify trip interruption, or confirm that you could or could not continue travelling. It is issued after a medical assessment based on the information you provide.

It is important to understand that this document is not a hospital discharge report, emergency certificate, or proof of hospitalization. It is a separate document used specifically for insurance-related purposes.

Certificates for a travel insurance claim are typically requested by insurance companies when reviewing claims. This includes insurers operating in Spain and across Europe, such as AXA, Allianz, Mapfre, and others.

The request may come directly from the insurer after you notify them of illness, or when you submit a reimbursement request for treatment, tests, or medication. In some cases, insurers ask for medical confirmation before approving changes to travel plans.

Each insurer applies its own criteria. Some require confirmation of diagnosis, others focus on medical limitations or the necessity of treatment abroad.

A certificate for a travel insurance claim may contain:

• your medical condition on the date of assessment
• a confirmed diagnosis and its duration
• recommended or completed treatment
• medical limitations affecting travel or activities
• the need for further care, medication, or monitoring
• whether the condition could worsen during travel
• whether there are medical contraindications for flying or continuing the trip

The content depends on your situation and the insurer’s request. The certificate is tailored to insurance use, not clinical treatment.

This certificate supports your insurance claim by providing medical context. It helps insurers understand why treatment was necessary, why a trip was interrupted, or why certain costs were incurred.

However, it does not replace hospital reports, invoices, test results, or emergency documentation. Insurers may still request additional documents. The certificate also does not guarantee reimbursement or claim approval.

Understanding this distinction helps avoid confusion between medical care documents and insurance-specific confirmation.

Medical treatment claim:
You became ill during your trip and required a doctor visit, tests, or medication. The insurer may request a medical certificate confirming the diagnosis, treatment, and necessity of care.

Trip interruption or cancellation:
Your condition prevented you from continuing the trip or returning as planned. The insurer may request confirmation of medical limitations and whether travel was contraindicated at that time.

Although both scenarios involve illness, insurers assess them differently and may focus on different parts of the certificate.