Will the Emergency Medical benefit pay upfront?

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Short Answer

The Emergency Medical benefit is designed to provide reimbursement for the cost of treatment of an unexpected sickness or injury while traveling.

More Detail

In general, travel insurance works on a reimbursement basis. This means you will typically pay for a medical expense out of pocket, and then file a claim later to be reimbursed that amount.  This is standard for travel insurance policies, regardless of whether they are primary or secondary.

Most providers can pre-authorize payment of hospital fees if required for your admittance or treatment at a medical facility. However, this is determined on a case-by-case basis and is not guaranteed.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!