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Ask Our Specialists
Hi, My name is Micaela Rincon, i have a travel safe outbound cost saver policy. I am in my country of destination ( FRANCE ) and have been here for the past 7 months on a visa. 3 weeks ago i fell and tore my ACL in my knee. I went to the hospital In France but when i present my insurance information when it comes time to pay for the services they dont understand because it is in english and because they are unfamilliar with Insubuy. So far i have had to pay for my services ( xrays, doctors visits and and MRI scan) out of pocket. Recently i have been told i might need surgery which i will not be able to pay full price out of pocket and that my insurance policy covers , How do i present my insurance information to hospital so they understand my coverage and can i get reimbursed for the services that i have payed in full for while having my policy active ? Thank you for your time and response , sincerely - Micaela Rincon
Direct billing is up to the provider. If you pay up front for services, you would simply file a claim for reimbursement. As long
as the services were for covered expenses under the policy while active, you would be reimbursed up to your policy benefit levels.
However, your previous policy expired on 3/19/22 and then you purchased a new policy, which is the current certificate number
you have provided.
Any treatment that has to do with your injury will not be covered under the new policy as it will be deemed a pre-existing condition.
If you have any additional questions, please let us know.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
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The U.S. Department of State requires all J visa holders to purchase compliant insurance.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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