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