Cashless Travel Insurance for USA

Is international travel insurance cashless?

While traveling abroad with Travel Insurance, there are essentially two types of claims following Medical emergencies – Cashless Treatment or Reimbursement of Medical Expenses:

When Is Travel Insurance Not Cashless?

• Non-network Hospitals: If you visit a facility not tied to the Assistance Company, you’ll have to pay and then claim reimbursement on return to India.
• Outpatient Treatment and Pharmacy Expenses require reimbursement.
• Getting admitted to the hospital without informing the Assistance Partner or Insurer can lead to your claim being denied or converted to reimbursement.

How to Ensure I can avail Cashless Treatment?

1. Ensure you have opted for a travel insurance plan with an insurer who has an efficient Global Assistance and Claims partner who operates 24/7
2. Keep the Assistance Partner’s Number handy along claim instructions during travel to reach out to them in an emergency – it is normally printed on the Certificate of Insurance (COI)
3. Call the Toll Free/Toll Helpline in case of an emergency – most insurers require to authorize Cashless Hospitalization. It is important to keep the Assistance Partner informed prior to hospitalisation.
4. While the Assistance Partner does not publish their list of network hospitals, you can reach out to them and request them to provide the list of network hospitals especially for long trips or travel to remote areas.
5. Read the Policy Terms & Conditions (T&Cs) to be aware of when Cashless treatment can be availed