Even throughout the very best journeys, unexpected occasions equivalent to medical emergencies, journey cancellations and interruptions, misplaced baggage, and different sudden mishaps can occur. That’s why many travellers go for Emergency Medical Insurance coverage and Non-Medical Journey Insurance coverage to guard them from frequent claims and different sudden occasions.
When you’re a TuGo buyer and must 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 file your declare, comply with these easy steps! Some travellers aren’t certain about what occurs after this step, so listed here are solutions to some steadily 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 acquire and overview your medical information and historical past, if relevant. They’ll coordinate with you and different suppliers concerned, together with worldwide hospitals, docs, different medical practitioners, provincial healthcare plans and different insurers.
All the things is dealt with in-house and by no means by third get together claims directors, so that you may be assured that we’re dealing with your declare rigorously. 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 components involving third events.
We’re dedicated to processing your declare as shortly as doable, however some circumstances may take a bit longer than others to resolve. That’s as a result of, as talked about, we coordinate with quite a lot of completely different suppliers, such because the medical suppliers the place your emergency was handled and your loved ones physician again house.
Although some issues is likely to be out of your management, there are a number of methods to have a smoother journey insurance coverage claims course of.
Utilizing myTuGo is the quickest and best option to submit declare types and paperwork to Claims at TuGo. Attempt your finest to finish all required types, present as a lot correct info as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger extra delays to processing time.
Word: Utilizing myTuGo is the quickest and best option to submit declare types and paperwork to Claims at TuGo. Attempt your finest to finish all required types, present as a lot correct info as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger extra delays to processing time.
What if I obtain a medical invoice after already submitting my declare?
Typically, you may obtain a medical invoice from a supplier after you’ve already despatched us your declare types and supporting paperwork. If that occurs, be happy to add the extra invoice(s) to your myTuGo account as quickly as you obtain them.
Different occasions, the supplier may need already obtained cost from Claims at TuGo, however their automated system may not have proven the complete cost straight away, leading to an impressive steadiness in error. If this occurs, don’t pay these payments and make sure you contact us — we’ll resolve the problem in your behalf.
What if my declare is denied?
Whereas we do the whole lot we are able to to pay out claims, all claims are reviewed based mostly on the coverage phrases and there may be causes are denied or partially coated. Once you purchase journey insurance coverage, you could have a duty because the policyholder to learn and perceive your coverage in an effort to keep away from any misconceptions about your protection. When you don’t perceive your protection, make sure you contact your insurance coverage dealer or supplier earlier than you permit on your journey.
Have any questions on submitting journey insurance coverage claims? Tell us under!
Protected travels,
Monique
Editor’s Word: This publish was initially printed in April 2020 and has been up to date for freshness and/or accuracy.