Travel insurance policies are designed to be reimbursement policies, and require you pay for treatment out of pocket first, and then file a claim for reimbursement.
Typically, you are expected to pay for medical expenses out of pocket, and then file a claim for reimbursement when you return home.
On a case-by-case basis, pre-certification of payment for your hospital fees may be available, however, it is not guaranteed. Many providers will provide Advance Payment to secure your admission to a hospital if necessary.
To date, we have not received a complaint regarding a lack of treatment due to the inability to cover upfront costs.
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!