Even throughout one of the best journeys, unexpected occasions corresponding to medical emergencies, journey cancellations and interruptions, misplaced baggage, and different surprising mishaps can occur. That’s why many travellers go for Emergency Medical Insurance coverage and Non-Medical Journey Insurance coverage to guard them from widespread claims and different surprising occasions.
When you’re a TuGo buyer and need to open a journey insurance coverage declare, you are able to do so simply making a myTuGo account and beginning your declare on-line. When you want a reminder on methods to file your declare, observe these easy steps! Some travellers aren’t positive about what occurs after this step, so listed here are solutions to some regularly 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 gather and overview your medical information and historical past, if relevant. They’ll coordinate with you and different suppliers concerned, together with worldwide hospitals, docs, different medical practitioners, provincial healthcare plans and different insurers.
All the pieces is dealt with in-house and by no means by third social gathering claims directors, so that you may 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 shortly as doable, however some instances may take just a little longer than others to resolve. That’s as a result of, as talked about, we coordinate with quite a few completely different suppliers, such because the medical suppliers the place your emergency was handled and your loved ones physician again residence.
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 solution to submit declare kinds and paperwork to Claims at TuGo. Strive your greatest to finish all required kinds, present as a lot correct info as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e mail will trigger further delays to processing time.
Notice: Utilizing myTuGo is the quickest and best solution to submit declare kinds and paperwork to Claims at TuGo. Strive your greatest to finish all required kinds, present as a lot correct info as doable, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e mail will trigger further delays to processing time.
What if I obtain a medical invoice after already submitting my declare?
Generally, you may 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 instances, the supplier might need already acquired cost from Claims at TuGo, however their automated system won’t have proven the total cost instantly, leading to an excellent steadiness in error. If this occurs, don’t pay these payments and make sure to contact us — we’ll resolve the problem in your behalf.
What if my declare is denied?
Whereas we do every thing we will to pay out claims, all claims are reviewed primarily based on the coverage phrases and there may be causes are denied or partially coated. If you purchase journey insurance coverage, you’ve gotten a accountability because the policyholder to learn and perceive your coverage with a view to keep away from any misconceptions about your protection. When you don’t perceive your protection, make sure to contact your insurance coverage dealer or supplier earlier than you permit on your journey.
Have any questions on submitting journey insurance coverage claims? Tell us under!
Protected travels,
Monique
Editor’s Notice: This put up was initially revealed in April 2020 and has been up to date for freshness and/or accuracy.
