Tips for Submitting a Claim: Debunking the 4 Most Common Claim Myths

We all know that travelling without travel insurance is never a good idea, but when you have to use your insurance, how do you go about making a claim? There are many common myths around claims, most of which are far-fetched.
To help you understand how to deal with claims a little better, we’re debunking some of the most popular myths, and sharing a few tips on how to process your claim as quickly as possible.

Myth #1: You need to submit your claim forms within 60 days of your treatment date.

Reality: Ideally, submitting your claim with all supporting documents within the first 60 days of your treatment date will help prevent delays. However, you can submit the claim later, as long as all required paperwork is received within a year from the date of treatment.
Keep in mind, a claim involves coordination with various parties (see myth #2), which can have tight deadlines of their own. If speeding up the claims process is your main concern, the faster your travel insurance claim forms and supporting documents are sent in, the faster the claim can be processed.

Myth #2: Your travel insurance provider is the only party involved in your claim.

Reality: In a claim situation, TuGo, or your travel insurance provider, might not be the only party involved. Depending on the emergency, your provider will coordinate between various parties, including provincial healthcare plans, doctors, hospitals, clinics, other insurance providers, etc.

Myth #3: You can use credit card statements or photocopied forms, bills or medical receipts to submit your claims.

Reality: To process a claim as quickly and accurately as possible, original, itemized bills and forms are required. Provincial healthcare plans require original signatures and original, itemized bills, so you should always keep originals and mail all completed forms back to your insurance provider as soon as possible. Non-itemized bills like till receipts, credit card receipts or credit card statements are not accepted.
Providing these bills, forms and receipts at the beginning of your claim submission will streamline the process, ensuring your claim is processed in a timely manner.

Myth #4: If you do experience a medical emergency abroad, hospital billing practices are the same everywhere you go. If you have travel insurance, your insurance provider will pay for your whole medical bill directly.

Reality: Although most US hospitals will bill the insurer directly for inpatient or outpatient services, it’s not a given. Hospitals across the US and internationally may request a deposit, or even expect full payment upfront. It’s always a good idea to keep that in mind, so you can be prepared to provide a deposit, if you have an emergency.
That said, the best way to mitigate some hassle is to contact your travel insurance provider as soon as you can. They will help coordinate care and treatment, as well as payment, if it’s possible at the time. If not, again, be sure to keep all your original bills and itemized receipts. You’ll need them when you submit your claim for reimbursement.
Still have claim-related questions? Check out our FAQs:
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