Travel Medical Insurance – Direct Billing Or Cash Payment Upfront

Do we have to pay upfront and then get reimbursed, or will insurance company pay directly to the provider? This question is very frequently asked by our customers.

Is Cashless Option Or Direct Billing Guaranteed? Or Do I Have to Pay First?

Travel medical insurance plans are temporary health insurance plans, used only for a short duration and meant for a limited use. Hence most of the usual regulations of domestic insurance are not applicable to them.  Travel medical insurance can be used internationally, throughout the world. Hence, it is practically impossible to have direct billing guaranteed, and at the same time keeping the cost low.

US based travel insurances, if used within US or Canada, do have the advantage of having a PPO network support, and they are contactable, if needed. All major hospital and doctor in the USA do direct billing to the insurance company. While most of the providers in USA directly communicate and directly bill the insurance company, however sometimes they might ask you to pay upfront and get reimbursed.  If they ask you to pay upfront, and then pay them, ask for the itemized bill you have to get reimbursed by your insurance company.

Rest Assured Your Valid Claims will be Paid

If you have taken the time to read the plan brochure and understood what is covered and what is not covered, then you can be assured that if you have a valid claim, it would be honored by the insurance company.

Sending Claimant Statement Form is Mandatory for Visitors Insurance Plans:

For all travel medical Insurance plans, filing Insurance claim is a mandatory process. You will need to file a claim even if the doctor bills the insurance company directly or asks you to pay upfront. You will need to send in a claim form and copy of the passport of the insured. Without that even the bills from the doctor’s office will not be processed, and they can be returned to you.

Filing claims does not mean Paying Upfront”
People often misunderstand that filing claims means paying first and then getting paid for it. This is not true. Once you have taken the services, it is just a billing process where the provider will either bill the insurance company directly or send the bill to you. Very rarely, the providers might ask you to pay upfront and get reimbursed for smaller bills like doctor’s consultation etc. Then if you file claim, you would be reimbursed for your valid claims.

Filing claimant statement is however a mandatory process for all travel medical insurance. So if you have taken any medical services, please send the required documents to the insurance company, to speed up the process.

To learn more about how and why to file for claim, visit our article How to file an insurance claim for Travel Insurance.Visit our knowledge center for more information on travel insurance, or send your specific questions to

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