Knowing how to deal with your health insurer while you're abroad can be a life-saver. If you can't answer these questions, call your insurer and ask - and make sure you bring the answers with you on your trip.
The big questions:
Is my policy valid overseas?
Is it valid in all the countries I'll be in?
Do you have an international telephone number?
Reimbursement:
How do I file a claim for reimbursement while I'm abroad?
What paperwork do I have to submit with the claim?
Can I get a supply of claim forms to take with me?
If the supporting documents are not in English, will I need to submit a notarized translation?
How long will it take for the claim to be processed?
Will the reimbursement be sent to me overseas, or to my hOme address?
Coverage:
What does my policy cover?
What is the basic medical deductible amount, and what's covered in it?
What are the policy's exclusions?
If I need refills on my prescription medications, will you reimburse for all or part of the cost? What do I need to submit for the reimbursement?
If I need routine non-emergency medical care while abroad, does my policy cover it?
To what extent are mental health services covered?
To what extent is hospitalization covered?
To what extent is dental care covered?
To what extent is eye care covered?
Is medical evacuation covered by my policy? To what extent?
If I need immunizations before I go, are they covered by my policy?
Is this policy available in the language of my host country?
