Can I Get Reimbursed If I Don’t Have a Loss?

I saw this provision in one of your travel insurance plans under the Emergency Accident / Sickness Medical section “The Company will not cover any expenses provided by another party at no cost to the Insured or already included within the cost of the Trip.” What does this mean? Elsie

Hi Elsie,

You ask a good question that gets to the heart of what insurance is and how it works.

One principle of insurance is that its purpose is to get you back to the financial condition where you were before the loss occured, subject to the policy’s coverage limits.

In the case of a medical claim, this means that the travel insurance plan will pay you according to its terms, your out-of-pocket medical expenses. You cannot get reimbursed by both the insurance company and another party for the same claim twice since this causes you to profit on the claim. This is also referred to as “double-dipping”.

Now, specific to your question:

If you incur medical expenses on your trip, but they are either free to you or paid by another plan, the trip insurance won’t also pay you for them since it wouldn’t have cost you anything out-of-pocket.

I hope this makes sense. If not, call us at 1-888-407-3854 and we’ll help you figure it all out.

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