Even throughout the most effective journeys, unexpected occasions reminiscent of medical emergencies, journey cancellations and interruptions, misplaced baggage, and different surprising mishaps can occur. That’s why many travellers go for Emergency Medical Insurance and Non-Medical Travel Insurance to guard them from widespread claims and different surprising occasions.
When you’re a TuGo buyer and should open a journey insurance coverage declare, you are able to do so simply making a myTuGo account and beginning your declare on-line. When you want a reminder on the right way to file your declare, observe these easy steps! Some travellers aren’t positive about what occurs after this step, so listed here are solutions to some ceaselessly requested questions on what occurs after you’ve submitted a declare.
I’ve filed my declare — what’s subsequent?
When you’ve filed your declare and have submit associated paperwork to Claims at TuGo, a devoted Claims Examiner will gather and assessment your medical data and historical past, if relevant. They’ll coordinate with you and different suppliers concerned, together with international hospitals, medical doctors, different medical practitioners, provincial healthcare plans and different insurers.
Every little thing is dealt with in-house and by no means by third occasion claims directors, so that you may be assured that we’re dealing with your declare fastidiously. After a choice has been made in your declare, you’ll obtain a letter detailing what your protection did or didn’t cowl.
How lengthy do claims take to course of?
Claims are dealt with on a case-by-case foundation, relying on the character of your declare and different elements involving third events.
We’re dedicated to processing your declare as rapidly as doable, however some circumstances may take just a little longer than others to resolve. That’s as a result of, as talked about, we coordinate with plenty of totally different suppliers, such because the medical suppliers the place your emergency was handled and your loved ones physician again dwelling.
Although some issues could be out of your management, there are several ways to have a smoother travel insurance claims process.
Utilizing myTuGo is the quickest and best option to submit declare kinds and paperwork to Claims at TuGo. Attempt your greatest to finish all required kinds, present as a lot correct data as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger further delays to processing time.
Be aware: Utilizing myTuGo is the quickest and best option to submit declare kinds and paperwork to Claims at TuGo. Attempt your greatest to finish all required kinds, present as a lot correct data as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger further delays to processing time.
What if I obtain a medical invoice after already submitting my declare?
Generally, you may obtain a medical invoice from a supplier after you’ve already despatched us your declare kinds and supporting paperwork. If that occurs, be at liberty to add the extra invoice(s) to your myTuGo account as quickly as you obtain them.
Different occasions, the supplier might need already obtained cost from Claims at TuGo, however their automated system may not have proven the total cost immediately, leading to an impressive stability in error. If this occurs, don’t pay these payments and you should definitely contact us — we’ll resolve the problem in your behalf.
What if my declare is denied?
Whereas we do all the things we will to pay out claims, all claims are reviewed based mostly on the coverage phrases and there may be causes are denied or partially coated. If you purchase journey insurance coverage, you’ve got a duty because the policyholder to read and understand your policy in order to avoid any misconceptions about your coverage. When you don’t perceive your protection, you should definitely contact your insurance coverage dealer or supplier earlier than you permit in your journey.
Have any questions on submitting journey insurance coverage claims? Tell us under!
Secure travels,
Monique
Editor’s Be aware: This publish was initially printed in April 2020 and has been up to date for freshness and/or accuracy.
