11/28/2022
Travel Insurance:
This is one of the products we offer yet don't really like selling it. It is an absolute must before you go on a trip. So why would I say we don't like selling. IT is because it is a quirky product. Here are things you should know before you buy and before you go. Look over the questions: One of the questions is this. Do you have heart problems.... if you have high blood pressure, do you have heart problems? You need your doctor to answer that becaues we would not know either. Or if you get a Dukoral shot, how does that affect your travel insurance?
Does your insurance contract have a stability clause and if so, how many days are in that stability period? if you see a doctor and he/she gives you a prescription, everything related to that prescription and health item may be excluded for coverage on that trip. When antibiotics are issued for a chest infection, everything related to that chest infection as well as allergic reactions to that medication are examples where you would not have coverage. If your medication went from a brand name to a generic, that too may be considered a change in medication.
Those are the reasons why you need to talk to us. We can help you through the weeds of travel insurance.
Points to remember:
when you are on a trip and feel you should see a doctor or go to a hospital. Your first call should be to the travel insurance company. Get them to open and claim and to help in directing you to a doctor or clinic. That way they can already work at setting up a direct billing arrangement. Secondly, if there are any extra tests needed or required, let the insurance company authorize the tests. That way if they authorized the test, they will pay for that test. If you authorized the test, did you authorize payment and are you now accepting responsibility for that payment?
Depending on what country you are in, there is no guarantee the doctor will accept third party billing and you may have to put that cost on your credit card. Some countries such as Mexico or the Caribbean may want all payment un front.
keep in mind, the insurance company may consider the path of least cost. What do i need to do to get you stable to get you home? Is that a plane ticket, air ambulance or ????? it does not mean they will pay for the treatment especially if the cost (USA) is going to be higher than just getting you home. Should you refuse their recommendation, your insurance would stop right there.
The list goes on, which is why I said it is a quirky product.
If you want more information, just call before you travel, and we will help you.
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