What documentation is required to make a medical travel insurance claim?
Seeking medical attention while abroad is never fun. After all, you didn’t book a flight intending to be stranded in a hospital waiting room. If you seek medical attention while abroad and have to pay for it, what kind of documentation is required to make a medical travel insurance claim?
Depending on the nature of your claim and your insurance provider, you may need to pay upfront for reimbursement later. This is especially true for less costly (non-emergency) bills. Always check your plan to see if it covers the specific incident or circumstance by contacting your broker. If you chose to not disclose any pre-existing conditions or prescription medications, your claim may not be covered.
If you are experiencing a medical emergency, make sure you call emergency services before you start thinking about the forms you have to fill out. Your safety is your prime concern in an unfamiliar country.
You need a completed claim form (via email or standard mail)
Hopefully you find yourself in a stable enough condition to begin the claims process. It’s recommended you contact your provider, so they can guide you to the appropriate claims form. Remember, each insured person needs to complete an individual form.
TravelAid™ mobile app
For a quicker claims process, you can download the TravelAid™ mobile app for free as a PrimeLink customer. With its GPS function, you can find directions to the closest medical facility during an emergency event. The TravelAid™ app also allows you to begin your claims process on the spot. Be sure to download it before your trip.
You need to document your expenses
You will be required to complete all necessary information so that your provider can proceed with your claim. In addition to writing all this down on the form itself, you will need evidence for what you’re claiming so it is very important to keep records of all your expenses. Less is not more in this case. In addition, make sure to keep copies of everything if you are mailing in your claim.
You will be required to provide all if not some of these documents:
- Completed claims form(s)
- Original or scanned versions of boarding passes
- Hotel receipts
- Itemized bills supporting your claim (hospital, prescriptions, ambulance)
- Medical records of any procedure performed
- Official accident reports (in the event of motor vehicle accident or related)
If your expenses are exceptionally high because of your medical situation, and you have additional documents to claim, it may be worth arguing.
Perhaps you needed to take taxis to and from the hospital; or you were stuck in bed, forced to order room service more than you would normally. Again, you need to keep receipts for things you consider out of your own control. In cases like these, seek advice from your broker or insurer regarding any additional forms you may need.
It is important that you start the claims process as soon as humanly possible to avoid delays and receive reimbursement for your out of pocket expenses in a timely manner.
We're here for you
Nobody ever wants to submit these kind of emergency claims, but travel insurance is there to protect you and your family from unexpected events and expenses.
For a full summary of the claims process, see our post on how travel insurance claims are filed in Canada.
Still have questions? Check if they're answered on our FAQ.