Travel Insurance Claims Process
Even during the best journeys, unforeseen events like medical emergencies, trip cancellations, lost baggage, and other mishaps can occur. That’s why many travelers opt for Emergency Medical Insurance and Non-Medical Travel Insurance to protect themselves from common claims and unexpected events.
If you need to file a travel insurance claim, it’s easy to get started by creating an account and submitting your claim online. If you’re unsure about how to proceed, follow these simple steps! Here are answers to some frequently asked questions about what happens after you file a claim.
What Happens After You File a Claim?
Once your claim is submitted and relevant documents are provided, a dedicated Claims Examiner will review your medical history and any associated records, if applicable. They’ll coordinate with you and other involved parties, such as international hospitals, doctors, healthcare providers, regional plans, and other insurance companies.
Everything is handled in-house, with no third-party claims managers, so you can rest assured that your claim is being managed with care. Once a decision has been made, you’ll receive a letter detailing what your coverage did or didn’t cover.
How Are Claims Processed?
Claims are processed on a case-by-case basis, depending on the nature of the claim and any third-party involvement. While we strive to resolve claims as quickly as possible, some cases may take longer due to coordination with various providers, including the medical facilities where you received treatment and your family doctor back home.
Though some factors may be out of your control, there are several ways to help ensure a smoother claims process:
- Complete all required forms accurately.
- Provide as much detailed information as possible.
- Sign where indicated and submit all itemized expenses and receipts.
- Avoid submitting documents by mail or email, as this may cause delays.
What to Do If You Receive a Medical Bill After Filing Your Claim
If you receive a medical bill after submitting your claim, it may be due to an automated system showing an outstanding balance or because the provider hasn’t yet updated their records. If this happens, do not pay the bill and contact us—we’ll resolve the issue on your behalf.
Understanding Your Coverage
Claims are reviewed based on the terms of your plan, and there could be reasons why some claims are rejected or only partially covered. As the policyholder, it’s essential to read and understand your travel insurance policy before you leave for your trip to avoid any confusion about your coverage. If you’re unsure about your coverage, don’t hesitate to reach out to your insurance broker or provider.