Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
This information is for residents of Helpdesk Global only.
The information below is for our Nomads who purchased a policy BEFORE Tue 3:00 pm (CST), 24 Jan, 2017.
If you purchased a policy AFTER Tue 3:00 pm (CST) (24 Jan, 2017), we're still working on getting updated content up for the new plans.
If you have any questions, feel free to send a message or call Travel Guard Canada's team directly:
Telephone: +1 416 646 3723 (outside Canada)
Telephone: 1 877 328 2528 toll-free from Canada and Continental US
We're here to help (CST): Monday - Friday 7am-8pm; Saturday: 8am-5pm; Sunday & Holidays: 8am-4pm.
Who pays depends on what’s happened!
If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
You or someone with you would need to contact your relevant emergency assistance team immediately so they are aware and can help you.
If it's not an emergency and the costs are not excessive eg you see the doctor at the local medical centre, then you would pay upfront and make a claim online once all treatment is complete.