Even throughout the most effective journeys, unexpected occasions reminiscent of 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.
If you happen to’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. If you happen to want a reminder on the best way to file your declare, comply with these easy steps! Some travellers aren’t positive about what occurs after this step, so listed here are solutions to some incessantly 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 data and historical past, if relevant. They’ll coordinate with you and different suppliers concerned, together with worldwide hospitals, medical doctors, different medical practitioners, provincial healthcare plans and different insurers.
Every thing is dealt with in-house and by no means by third get together claims directors, so that you could be assured that we’re dealing with your declare rigorously. After a call 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 rapidly as attainable, however some circumstances would possibly take just a little longer than others to resolve. That’s as a result of, as talked about, we coordinate with numerous completely different suppliers, such because the medical suppliers the place your emergency was handled and your loved ones physician again dwelling.
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 approach to submit declare kinds and paperwork to Claims at TuGo. Strive your finest to finish all required kinds, present as a lot correct info as attainable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or electronic mail will trigger further delays to processing time.
Observe: Utilizing myTuGo is the quickest and best approach to submit declare kinds and paperwork to Claims at TuGo. Strive your finest to finish all required kinds, present as a lot correct info as attainable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or electronic mail will trigger further delays to processing time.
What if I obtain a medical invoice after already submitting my declare?
Typically, you would possibly 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 complete cost instantly, leading to an impressive steadiness 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 every part we are able to to pay out claims, all claims are reviewed primarily based on the coverage phrases and there could be causes are denied or partially lined. Once you purchase journey insurance coverage, you’ve got a duty because the policyholder to learn and perceive your coverage with a view to keep away from any misconceptions about your protection. If you happen to 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 beneath!
Protected travels,
Monique
Editor’s Observe: This put up was initially printed in April 2020 and has been up to date for freshness and/or accuracy.
