Do I get some kind of a medical insurance card I just present to the doctor or hospital I go to? And does the medical facility just collect from the travel insurance company? Thanks, Judy

The short answers are “No” & “No”, but you want to know why.

With one exception,you have to pay your medical bills yourself while on your trip. That’s because travel insurance plans are “indemnification” plans (you will be reimbursed - indemnified) after your trip by the insurance company.

Travel insurance is not a “pay on behalf of” plan. You don’t just give the medical facility a card. Instead you pay the bills, collect all the receipts and submit those receipts along with the claim paperwork you get form the travel insurance company.

In some cases, a few companies can guarantee payment to the medical facility, but it’s on a case-by-case basis. It’s determined by the financial need of the insured person.

Of course, if you get your Travel insurance from us at www.TripInsuranceStore.com, we will, of course help you with your claim. Why? Because it’s the right thing to do.