The Visitors Insurance Claims Process
A visitors insurance claim is a formal request submitted by the policyholder to the insurance company, seeking reimbursement for covered expenses in accordance with the policy terms. In the event that you need to utilize your visitors insurance benefits, you should file a claim to receive reimbursement at a later stage. Once the claim is approved, the travel insurance company will either make the payment directly to you or to the healthcare provider where you received the treatment.
It's important to remember that even if the doctor or hospital bills the insurance company directly, it is still recommended that you file a claim. Luckily, filing a visitors insurance claim is a straightforward process. Below, we’ve outlined the steps you should follow when filing a visitors insurance claim.
Download the Insurance Plan’s Claim Form
The first step you’ll need to take when filing a claim for your visitors insurance is downloading the insurance plan’s claim form. Each travel insurance company has its own unique claim form, so it's important to complete the specific claim form provided by the administrator of your visitors insurance plan. You may be able to fill and file your claim form completely online, or you may need to download the form, fill it out, and mail it.
Gather All Required Documents
In addition to the filled out claim form, you will also need to provide additional supporting documents to the visitors insurance company. Here are all the documents you’ll need:
- The completed claim form
- Copy of your passport
- Copies of your medical bills and receipts
Also, be sure to keep your own copies of your filled out claims form and medical bills and receipts for your own records.
File Your Claim
Lastly, you’ll file your completed claims form and required documents with your insurance company. After filing your claim, the company's claims department will review the information and either approve or deny the claim. If your claim is approved, the insurance company will either pay you or the doctor or hospital you visited, depending on whether the bill was sent to you or sent directly to the travel insurance company.
A denied claim can be the result of a number of reasons including filing a claim for excluded care, missing documents, and more. If your claim is denied, you can file an appeal to reconsider your claim. Read more about why visitors insurance claims are denied.
Filing a visitors insurance claim is a recommended step if you wish to receive reimbursement for any covered expenses from your visitors insurance plan. Remember that the claims process may take some time, varying from a few weeks to a few months, but providing all the required documentation can expedite the assessment and approval of your claim. By following these steps and being prepared, you can navigate the visitors insurance claims process smoothly and maximize your chances of a successful reimbursement.