Do Trip Insurance Companies Pay Medical Claims Directly?

If I have a medical claim on my cruise, do the trip insurance companies pay the providers directly? How does it work? Although I have excellent credit I don’t think the ol’ Visa can handle an air medivac charge like I’ve seen and I certainly can’t see a doctor in Mexico saying they would accept payment for services rendered a few weeks down the road by an American Insurance Company. So, how are the major incidents handled/paid for?

Each trip insurance company is different, but in general you have to pay up front for the medical services and get reimbursed later.

There are some plans that will guarantee payment to a medical facility if you’re being refused admission, though there are well-known companies who won’t guarantee payment. In my experience these payment guarantees are made on a case-by-case basis. Here’s how the six travel insurance companies I (Steve) trusts works:

• Neither CSA nor HTH can guarantee payment
• Travelex, Travel Guard, Travel Insured and Travel Safe can all guarantee payment

Finally, if something bad happens to you (ie – you’re hit by a cement truck) and you contact the trip insurance company’s emergency assistance company, you don’t arrange or pay for an emergency evacuation. The emergency assistance company takes care of that & pays for it.

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