Plans typically pay for emergency medical care or dental work via reimbursement.
Filing a Travel Medical Insurance Claim (Step by Step Process)
Step 1: Contact Your Insurance Provider to File a Claim.
Firstly, contact the insurance company.
This starts the process with the insurance company and gets the ball rolling.
Great insurance companies will provide advice on how to make this inconvenient situation as smooth as possible.
Step 2: Collect Receipts
Secondly, collect all receipts.
Since most plans require you to pay upfront for medical expenses, you need to collect all bill receipts for reimbursement.
Always ask for a detailed bill as well.
Have the service or facility itemize each procedure.
Also, make sure the bill and receipt be printed on official letterhead or stamp.
Step 3: Submit Claim Online.
Thirdly, submit receipts to the filed claim.
This is the easiest way to record all documentation.
Submit receipts via email or snail mail.
Additionally, communicate as much info as possible
These steps will provide a full picture of the occurrence.
Step 4: Monitor Claim.
Finally, monitor the claim closely.
Monitor the claim daily to avoid any hold-ups.
You might have to submit additional documentation for instance.
After that, the insurer will mail a check.
Additionally, you should be provided an Explanation of Benefits (EOB).
The EOB details how and what was paid on your claim.
How long does a claim process take?
From the time you file a claim to the time you collect a reimbursement check could range between 30 90 days.
For that reason, you should be very diligent in the claim process.
Typically, the process takes around 30 days.
What is not covered by travel medical insurance?
Trip Cancellation (varies by policy).
Who should buy travel medical insurance?
U.S. Citizens Traveling Abroad
Relatives Visiting You From Out of Country
Travelers on Cruises, Safaris, or Guided Tours
Students and Scholars Studying Abroad
Groups Traveling Abroad for International Student Programs
Dependents Traveling Abroad
International Business Travel
Employees Working Abroad
Government Employees Working Abroad
Foreign Aid Workers
Long Term Travelers
Seniors Traveling Abroad
Marine Captains and Crew
Recently Arrived Immigrants
Foreign Au pairs and Nannies
Families sponsoring exchange students
In conclusion, purchasing travel health insurance should be a “must have” purchase on all international trips.
You never know what is going to happen. Therefore, you must be protected.
The insurance is affordable and provides you peace of mind.
Finally, check out the different medical plans above.
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