Unlike in the US, where rural healthcare exists, medical payment works differently abroad and can accumulate quickly. Traveling medical insurance can help ensure travelers are protected from out-of-pocket expenses in case of a medical emergency. If you or a loved one experiences a medical emergency abroad, you’ll need to file an insurance claim.
However, filing an insurance claim can be a stressful process, especially if you’re already in medical pain. From understanding what’s considered an out-of-pocket medical expense to dealing with documentation, phone calls, and language barriers, there are many moving parts that can add stress to an already difficult situation. That’s why we’ve created this blog to help you avoid common mistakes when filing an insurance claim.
By not contacting the insurer immediately after an incident, two things could happen:
- You might undergo tests and treatments that may not be medically necessary and, as a result, might not be covered by your plan.
- If you visit a hospital and don’t notify your insurer, you may miss out on the direct payment feature most insurers offer.
Insurance policies differ in the services and benefits they provide, and you could miss out on valuable assistance (financial or otherwise). It’s essential to carefully review your plan to understand what’s covered and what’s not. Knowing your policy will lead to fewer delays and misunderstandings when it’s time to file a claim.
You’ll need to submit itemized bills and receipts with your claim for reimbursement. If you don’t keep copies, you won’t remember what you’re owed, nor will you be able to prove it if the claim isn’t processed correctly (or if the originals are lost).
If you find yourself in a medical emergency abroad, the currency may be different. Make sure you’ve declared payments in the correct amount and currency. Notify your insurer immediately if you’ve made any mistakes when filing.
Remember to shop around and choose the right coverage when purchasing a travel insurance plan. Consider the reputation of the company, customer service availability, and non-medical insurance coverage.
Before you purchase coverage, understand the types of insurance you need and compare it to your credit card or group insurance policy. Not all travel insurance policies are the same. Plans can be tailored to an individual’s needs, health, age, and preferred activities. Additionally, coverage varies across travel insurers. That’s why, when you purchase, it’s crucial to consider both the cost and the level of coverage the plan offers in the event of a medical emergency.
We hope these tips help you avoid mistakes when submitting a travel insurance claim.