Gearing up for March Break, keep your clients informed by reminding them of these 3 important travel insurance tips to keep in mind should something happen when travelling.
- Call your insurance carrier immediately
Many policies state that you must call in the case of a medical emergency with the definition of medical emergency being anything for which you seek medical attention. Whether it’s a broken leg, a bad cold, or some lost luggage, call your insurance company anytime something happens that might result in a claim.
Many carriers also have nurses who can help you find a nearby clinic or answer any other questions you may have about your condition or policy. Even if the medical emergency is not covered, they can often help you find efficient and appropriate care, wherever you are so take advantage of their 24/7 call support.
- Keep every receipt and credit card statement
It’s important to keep track of every expense incurred as the insurance carrier will request all supporting documents to process the claim. The more information you can provide, the faster your claim will be paid and the better chance you have in maximizing your reimbursement.
- Report even non-medical claims while away
Many people wait until they return to file their non-medical claims. However, it’s important to remember that your travel carrier can walk you through the claims process and offer immediate advice to help with trip cancellation, lost luggage and other non-medical claims. There may also be scenarios where it’s necessary to alert local authorities in the event of any lost or stolen items. Your insurance company will want evidence from police reports or airport lost luggage forms when investigating your claim for lost or stolen items.
As always, make sure you and your dependents bring copies of your travel card, which will include your policy number as well as toll-free phone emergency numbers.
Benecaid clients can conveniently access their all-in-one drug, dental and travel card from the Access Benecaid portal, www.accessbenecaid.com. From there, they can easily print a copy of their card or save it to their smartphone or tablet.
For questions about Benecaid’s group and individual travel coverage, contact your Benecaid Executive Benefits Consultant or send an email to advisors@benecaid.com.
