Coordination of Benefits

Coordinating Benefits with other insurers is an important step in processing a claim and is normally done after the claim has been paid to the client, but can be done earlier depending on the circumstances. Coordination of Benefits (COB) is the process in which ACM will work with your other insurance providers to ensure all interested parties pay their portion of the claim. ACM follows the Canadian Life and Health Insurance Association (CLHIA) guidelines to properly coordinate with other insurers.


Clients may have travel insurance through theirs, a spouses, or parents Credit Card or Group Benefits. These other insurers normally have limited coverage and only cover certain types of claims, due to this our insurance will cover all additional costs not covered by your other providers and share the cost of the covered portion as well. By doing this insurers will be able to keep premiums as low as possible while being able to provide the highest level of service.


What do we need from you?

In order to work with your other insurers our team will be required to provide information regarding your policy, please see the information below and be prepared to enter this into the ‘Other Travel Insurance Coverage’ section of your claims submission.


Group Benefits
  • Policy number and Certificate number
  • Name of policy holder and Birthdate
  • Policy Maximums / Limitations


Credit Card

  • First six digits and Last four digits of the credit card
  • Name of Primary cardholder and Birthdate
  • Policy Maximums / Limitations

If you have any questions please feel free to contact us at 1-855-297-4371.

Policy Holder
Member of the Global Excel family
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