It can be intensely stressful to embark upon a trip, only to fall ill and need medical care while out of state or overseas. This is why it is so important to be prepared for the unexpected by carrying travel insurance at all times while out of state or out of the country. Additionally, it is critical to understand the travel insurance claim submission process so that if care for medical illness is required while away from home, all of the proper pre-authorizations are gathered. it’s also important to assemble all of the required documentation, forms, receipts, and information to prepare for the process of making a claim for reimbursement of medical expenses incurred while traveling. Medical documentations that may be requested during the insurance claims process can include information on the treating professionals, prescriptions, hospitals or other facilities.
The first step to take in the process of filing an insurance claim under a travel insurance policy is to gather together all of the documentation and make sure to have the necessary forms with which to file the claim handy. The travel insurance carrier should provide the forms via the website or by mail or fax. From there, it is simply a process of assembling all of the documentation and filling out the required forms to request claims processing and if necessary, reimbursement for expenses paid. It may also be necessary to fill out more than one form, and to have information about the specific travel dates, the dates the illness occurred, the method of transportation that was used, and any receipts from travel or transportation expenses.
The travel insurance carrier may also want to get a travel insurance adjuster or coordinator involved to verify the accuracy of the information and the validity of the travel insurance claim. If this occurs, it is very important to comply with all requests for verification of information or additional information to ensure that the claims process continues to proceed smoothly. The travel insurance carrier should be able to give accurate estimates of the time it will take to verify and process a travel insurance claim.
Finally, it is important to follow up regularly during the claims verification and processing period to make sure that the claim is processing in a timely fashion. While this is ultimately up to the travel insurance carrier, it is the insured’s responsibility to ensure that the insurance agent has received the paperwork. Keeping in regular contact with the insurance agent assigned to the claim can do much to facilitate prompt processing of the claim and address any potential issues before they become agents of delay for prompt processing of a travel insurance claim related to medical illness.