The Visitors Insurance Claims Process
A visitors insurance claim is a formal request made by the policyholder to the insurance company requesting reimbursement for covered expenses as per the terms of the visitors insurance policy. In the case that you need to use any of your visitors insurance benefits, you would file a claim for reimbursement later. If the claim is approved, the travel insurance company will either pay you or the healthcare provider from which you sought treatment directly.
It’s important to note that even if the doctor or hospital bills the insurance company directly, you will still have to file a claim. When you're ready to file a visitors insurance claim, you will follow the below steps.
Download the claim form.
Each travel insurance company has a different claim form, so make sure that you download and complete the claim form for your visitors insurance plan's corresponding administrator. After downloading and printing, complete the form.
Gather all required documents.
In addition to the claim form, you will have to provide other supporting documents to the visitors insurance company. These include:
- The completed claim form
- A copy of your passport, including visa, photo, and entry and exit stamp pages
- A copy of your I-94 if visiting the US
- Copies of all receipts, medical bills, and itemized services
Send your claim.
After filing your claim and sending it to the insurance company, 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.
If your claim is denied, it may have been because you tried to file a claim for something that was excluded in your policy's terms, you failed to provide enough supporting documents, or other reasons. Otherwise, you can try to file an appeal. Read about why visitors insurance claims are denied.
The claims process does take time. It may take anywhere from a few weeks to a few months for your claim to be approved. Providing all supporting documents can speed up the process so make sure to be prepared.
