The emphasis on taking travel medical insurance while planning on a trip overseas is not a myth. There have been lot of cases in the past when the travel insurance plan packages have been a blessing to people who landed up in emergencies.

One such case was a non-resident individual who had bought a medical insurance policy for his parents visiting USA. Incidentally, his father had a heart attack during his short stay and it cost a lot to treat him. The fact that his father had been covered by insurance was a huge relief. Otherwise, this would have only unnecessarily added to the mental trauma that already the family was going through. The final bill crossed above one lakh dollars but since the victim was covered by the travel medical insurance company, the bills were directly sent to the insurance provider for payment. The cost of prescription drugs was initially paid by the individual but later, he filed the claims with the necessary documents and got the reimbursement at a later date. This is one such classic experience which highlights the importance of covering oneself with a travel medical insurance plan while going abroad.

Most of the travel medical insurance companies provide 24/7 assistance in case of emergencies. There are various testimonials spread on the web of customers who received timely help from insurance companies during various critical situations like illnesses, evacuation, baggage loss, surgeries, prescription drug charges and doctor consultation fees.

Claims have been paid in the past when customers had to cancel the trip due to unavoidable and unforeseen circumstances and advance their trip to their native land.

Many testimonials have been presented where travellers have been benefited by the travel insurance online coverage during adventurous sports like skiing and mountaineering. Broken bones, injuries, tears are quite common in these cases and treating them would be very expensive in case you are not covered by an appropriate plan.

While submitting claims, you are asked to provide some documents for processing. The most commonly required documentation includes insurance plan number, travel dates, travel agency number, booking or reservation slip and age proof.

In addition, based on the purpose of your claim, additional proof is required. Your travel medical insurance company would help you to gather the required proofs for submitting claims.

Always keep the invoices, tickets, bills and any other relevant travel document proofs safely as it may help you to provide adequate proof while submitting your claim form.

If you enjoyed this post, make sure you subscribe to my RSS feed!