How To Get Reimbursement For Your Travel Medical Insurance Claim

Filing a claim corresponding to your travel medical insurance plan can never be a pleasant chore. It means – you have experienced a covered scenario, and now, you need financial assistance to deal with it. And therefore, you need to file a claim for reimbursement. How could this be a joyful situation? Right? However, sometimes, unfortunate incidents happen and take us to the crossroads of life. If you were wise enough to buy a travel health insurance plan or visitor insurance at the right time, you at least can rest assured that if someday you need to use your insurance policy, you can do that.

So, how to increase your odds of getting compensated promptly for your travel medical insurance claim? To understand how to make your claim process hassle-free and smooth, read on!

How does the concept of a travel medical insurance plan work?

Before you dig deeper into the topic How To Get Reimbursement For Your Travel Medical Insurance Claim, let us take a look at how the claims actually work.

After a covered situation happens, here are the steps you need to follow:

    • You will have to file a compensation claim with your insurance provider. You can also get in touch with your insurance broker to help you proceed.
    • Then you have to fill out a reimbursement claim form, attach copies of all crucial documents, including your medical bills and passport, and send it to your travel medical insurance claim administrator.
    • Make sure to file your claim with your insurance provider right after the covered incident has happened or as soon as possible.
    • Your claim supervisor will review your claim and all the documents related to it and process your claim application. If your reimbursement claim is approved, your insurance provider will compensate you as per the mode of payment you mentioned on the form. Unfortunately, if your travel medical insurance claim is not approved, you can appeal for it.
Submitting a claim: How can you do it effectively?

Industry experts opine that proper documentation is the key to ensuring that your travel medical insurance claim is filed correctly.

In most cases, when the processing of a claim is delayed, the main reason is insufficient documentation from the policyholder’s end. When a travel health insurance policyholder fails to present the actual estimate of the financial loss that they have incurred, the claim administrator or insurer needs time to fully assess the case. It requires more time.

Here is an example for you to help you file your claim properly.

Picture this. You purchased an all-encompassing travel medical insurance plan. The plan covers baggage loss. On arriving at the destination airport, you end up discovering that your checked-in baggage is lost. It has all your belongings.

Dear policyholder or insurance buyer, you can file a claim for reimbursement in such a scenario. Your insurance provider will compensate you for the same. However, before filing a claim, make sure to check with your insurance provider or read your policy copy to know what all you may need to produce to the related authority when filing a claim. If you cannot make your documentation to the point, your claim might get delayed.

In case you make a claim, but, your documentation and supporting things are not proper, you may get a notification from your travel medical insurance provider reading, “Sorry, we cannot review your claim right now” or something similar to it.

Do remember, this message does not mean that your claim is denied. It means that your insurance provider is asking you to submit all the documents carefully for review. So, all you need to do is check what’s lacking and proceed accordingly.

In simple words, your claim is denied and your claim is incomplete are two different things.

If your claim status is showing incomplete, you might have not produced the right documents, or something is missing from your application. However, if you submit the necessary documents, you can still complete your claim application.

Do you know what could be another possible reason behind a travel medical insurance claim denial? It is the issue against which you have filed a claim. Your claim will surely be denied if you file it against an uncovered situation. Therefore, it is highly advisable to understand your policy and read all the policy-related documents carefully before filing a claim for reimbursement.

Utilize the free lookup period available with your policy.

Most policies come with a free lookup period of 10 days to 15 days. Make sure to use this to read the fine print of your policy and assess what it includes and excludes. In case you feel that the travel insurance plan you have purchased is not the right option for you, you can apply for policy cancellation and choose another suitable policy.

You can also consult your travel medical insurance broker for the same. They can also help you find the most pertinent coverage for you after understanding your insurance needs and budgetary preferences. As they are well-versed with the entire system of healthcare of a given country, for example, the USA, they can help you navigate through the intricacies with ease if you need to avail of medical care in a foreign country. Besides medical bills, your travel health insurance also offers many travel-related benefits.

When you are well-informed about the travel health insurance policies available with a given insurance provider you intend to choose, you are less likely to fall prey to any unpleasant situation and can file the exact claim.

There are some cases when your insurance provider works with your healthcare service provider, even if the latter is outside the PPO (Preferred Provider Organization) network.

The takeaway

Whether you have filed a claim against medical bills or lost baggage, a good insurance provider will help you with the entire process. In order to file a travel medical insurance compensation claim, make sure to fill in the claim form and submit the same with all the itemized bills (the original copy). With a reliable travel medical insurance provider, you can expect hassle-free claim settlement, provided you have submitted the correct documents with proper evidence.

Frequently Asked Questions Regarding Travel Medical Insurance Claim Process

1. Is it necessary to visit a doctor from the specific list for making a claim?

No, you are free to go to a doctor of your choice. However, when requiring treatment in the US, it is wise to visit a medical provider within your PPO (preferred provider organization). It will help you save your out-of-pocket expenses. A PPO is a network that comprises many qualified medical providers and healthcare facilities in the US.

2. What do you mean by the Claimant’s Statement and Authorization form?

As the name suggests, it is a document that your insurance provider will ask you when you file a claim for a new health condition. This form helps your insurance partner evaluate your claim and proceed accordingly.

3. How long does it take to process a claim?

Once you fill in, sign, and submit the Claimant’s Statement and Authorization” form, a claim examiner will evaluate it. In the initial round, the claim examiner will check if or not your claim is eligible. Depending on the evaluation, they may accept or reject your claim. If they need more information, they will ask you to produce it. In simple words, the final time for processing your claim depends on a number of factors. However, with a reliable insurance partner, you can expect maximum cooperation.


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