Submitting GMS Insurance Claims

Posted on July 2, 2021

Group Medical Service (GMS) is a Canadian insurance company. It's been offering insurance products to Canadians for over 70 years.

GMS offers various travel and health insurance plans. Employers can also access group employee benefit plans for prescription medications, dental work, and more. 

Do you need compensation for a GMS-covered benefit? You'll have to create an account before you can submit your GMS insurance claim. Learn more about submitting a GMS claim below.

gms insuance online claim screenshot

How to Submit a GMS Insurance Health & Dental Claim

If you already have one, log into your My GMS account, or click here to register for a My GMS account. Your My GMS account has a function that will auto-populate claims forms for you.

GMS also accepts health and dental claims by mail. Download a claim form from the above link, fill it out, and mail it back to the address listed on the form. You'll need the following information to populate the form:

  • Your GMS ID number
  • Your Provincial Health Services number
  • The type of expense you're claiming
  • The original itemized receipt for the expense you're claiming
  • Any physicians referrals or orders regarding the medical necessity of the expense you're claiming
  • A Standard Dental Claim form if you're submitting a GMS dental claim
  • Your Group Plan number if you're submitting a claim under your employee benefits

You must submit your claim to GMS within 12 months of the date you received the covered benefit. 

How to Submit a GMS Insurance Immigrants & Visitors Claim

GMS offers emergency medical insurance plans for immigrants, visitors to Canada, and Super Visa holders. Here's how to submit a claim if you're on one of these GMS policies.

First, compile a portfolio of essential documents for your claim. Important documents include proof of hospital or physician's bills and complete medical records for your visit. The following documents count as medical records:

  • Copies of your admission and discharge paperwork
  • A written letter from the physician who treated you
  • A copy of the report from the emergency room where you were treated

Once you've collected these important documents, you can file your claim. Create an account with GMS travel insurance provider Allianz Global Assistance to automatically file your claim online.

Or download a claim form through GMS's website and fill out the required information, including your claim and policy numbers. Mail your completed claim to the address on the form or email it to

You must submit your immigrants and visitors claim to GMS within 90 days of your emergency medical visit.

How to Submit a GMS Insurance Trip Cancellation & Interruption Claim

Before you can file your claim, you must have received trip cancellation confirmation. Download the GMS Insurance Cancellation and Interruption claim form once you have a refund decision from the airline or your bank.

The process for filing your claim depends on whether your trip was cancelled or interrupted. Regardless, cancellation and interruption claims must be submitted within 12 months of the trip. 

Submitting a Trip Cancellation Claim

Submitting a claim for a cancelled trip requires cancellation confirmation from your travel company. You'll need to provide proof of the cause of cancellation as well as the original booking confirmation.

You'll also need evidence that you paid for the cancelled trip. This may include receipts from the purchase of tickets and any deposits or payments made on the trip. GMS will also want to see your travel company's refund policy.

Once you've gathered these items, you can fill out your claim. Email completed claims to Or mail your claim to the address listed on the claim form. 

Submitting a Trip Interruption Claim

Submitting a claim for an interrupted trip is slightly different than a full cancellation. Provide proof of your travel dates, payments, and that you filed a claim with the carrier. You'll also need an itemized receipt for all costs incurred for the interrupted trip. 

Using these documents, you can now file your claim. Fill out the form and email it to the same address we mentioned above or mail it to the address listed on the form.

How to Submit a GMS Insurance Travel Emergency Medical Claim

GMS is temporarily accepting travel emergency medical claims via email. You can email your form to (for Canada claims) or (for claims outside of Canada).

To complete your claim, you'll need to include your itemized treatment or medication receipts. You'll also need a copy of your Provincial health card and confirmation of your travel dates. Then, either email your claim to one of the addresses listed above or mail it to the physical address listed on the form.

You must submit your GMS Travel Emergency claim within 90 days of the medical event. 

How to Submit a GMS Insurance Baggage Loss/Damage/Delay Claim

The first thing you should do is download a GMS Baggage, Loss, Damage, and Delay claim form. You'll need your policy number and a description of the item(s) lost. Also, include proof of the following with your claim:

  • Your travel dates
  • Your claim with the transportation carrier
  • Any payments made for the baggage

Email your filled-out claim form to Or mail the completed claim to the address listed at the top of the form. You must submit your form within 12 months of the baggage event.

Ready to Submit Your GMS Claim?

Submitting a GMS claim is simple when you follow this guide. Mail or email your completed claim with all required documents to GMS. Or create an online account to auto-file your claim and save time.

Need help finding the right travel insurance provider? We have you covered at Insurdinary. Compare insurance rates for the top Canadian insurance providers to find the policy that's right for you. 

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