Need help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Closed

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Mon-Fri)

+1 (866) 384-9104

Current Time in PT Closed

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

Pre-certification: What, When & Why

Pre-certification: What, When & Why

Lets get familiar with the term and process known as pre-certification to avoid any claim related issues. While you may not need pre-certification for each and every medical service you take, it is important to understand when you should. Lets understand what pre-certification is and when it’s required for visitors and travel medical insurance.

What is Pre-certification/Authorization?

It’s the process of obtaining prior authorization from the travel insurance company for major medical services like planned surgery, hospitalization, or other complicated expensive procedures. It is not necessary to get pre-certified for less complicated medical services like general doctors consultations.

When Do We Need Pre-certification?

Pre-certification is usually required for any major medical service necessary for planned hospitalization, surgery, or other complicated medical procedures. Failure to obtain pre-certification often results in a financial penalty. Pre-certification is not required for emergency hospitalization. However in such cases, you would need to contact the travel insurance company within a reasonable time frame.

Why Get Pre-certified?

Pre-certification is the most common administrative practice in the insurance industry. It allows the insurance company to:

  1. Determine whether the required service is covered in your policy or not.
  2. Evaluate if specific medical services such as hospitalization, are appropriate treatment for a patient – thus controlling healthcare costs and limiting unnecessary medical procedures.
  3. Assist you in finding hospitals and doctors that can perform such procedures, and help in negotiating the rates.

It is recommended that you proactively inform the insurance company in case of any in-patient medical service or any major medical situation. Pre-certification gives you peace of mind before you undergo any major surgery or expensive medical treatments. If you have any questions regarding pre-certification or need help selecting the right coverage amount, contact our Customer Success Team.


Related Articles

Do People Have Unreasonable Expectations From Travel Insurance Policy?

People who purchase travel insurance policies often expect these short-term plans to work exactly the…

How Much Policy Maximum is Good for Travel Medical Insurance

How Much Policy Maximum to Choose for Your Travel Medical Insurance? Policy Maximum is the…

Understanding the Basics of the Affordable Care Act

In 2014, the Patient Protection and Affordable Care Act, commonly known as ObamaCare, came into…

Top 5 Reasons Travel Insurance Claims Are Denied

When a travel insurance provider denies a claim, the insured traveler may feel a little…

Sick at Sea: Why Medical Evacuation Coverage is Necessary for Cruise Trips?

When planning a cruise, most people dont think about needing emergency medical evacuation. But in…

Infographics: Tips for Physically Challenged Travelers

Travel can pose a new set of difficulties for physically challenged travelers, especially at airports…

Infographics: Traveling While Pregnant

Expecting mothers should take extra precautions when traveling, and in some cases may want to…

Travel Medical Insurance & US Healthcare

Healthcare costs around the globe can vary a great amount depending on where you visit….

CoverAmerica-Gold Plan Unveils New Enhancements

Updated July 28, 2021 **This plan has been updated! Read all about the enhancements made…

The Top Four Holiday Travel Tips

Whether youre visiting family or taking a well-earned family vacation, the holiday season is a…

5 Things You Need to Know About Travel Insurance and COVID-19

The novel coronavirus has changed many facets of daily life as health precautions and other…

What Kind of Travel Insurance Do US Residents Need for Domestic Travel?

If you’re a U.S. resident traveling domestically within the countrys 50 states, you may not…

Travel Gear for Safe Travels in 2021

Are we there yet? Its a question frustratingly familiar to parents of small children setting…

Travel Insurance: The Best Fathers Day Gift

When it comes to Fathers Day, it can be hard to find the perfect gift…

Top Ten Reasons to Buy Travel Insurance

Students studying abroad, international businesspeople, holiday makers, families vacationing in DisneyWorld, cruise-goers. What do these…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.