Calling emergency helpline is the first step
We often hear stories from our supervisa and visitor insurance clients regarding the challenges they face during an emergency. In doing so, we strive to share our experience about methods that we can use in case of these kinds of circumstances. A medical emergency can happen to anyone at any time.
Medical facilities like quick emergency assistance through 911 or ambulance were not available to our grandparents a few decades back. And another best resource that could provide great help during these difficult times is supervisa, visitor and travel Insurance.
Travel, a visitor to Canada or supervisa insurance policy is designed to assist you with medical emergency coverage arising from an injury, accident or an unexpected sickness. For instance, it can be bought by a traveler before leaving the home country. Essentially, it could be a back up for those hefty bills of prescription medicines, hospital, ambulance, a visit to a doctor and repatriation of remains.
Let’s look at the examples of a medical emergency when purchasing a visitor to Canada, supervisa or travel insurance policy.
The medical emergency is defined differently by most insurance companies. However, in general, its an unforeseen sickness or accidental injury that takes place when the insurance coverage is in force and requires immediate attention from a medical practitioner.
Examples of an event which are considered emergency –
Coronavirus complication, Fracture in bones, Bleeding, Heart attack, Severe or sudden Pain, Falling on the ice, stroke, High fever, Flu, Severe allergy or Breathing difficulties.
The first thing is always to call the emergency helpline as soon as possible. Along with that either you or somebody on your behalf should call the emergency assistance helpline of your insurance provider ideally within 24 hours.
If the reporting to insurers is not done on a timely basis then 21st century and most other companies may charge you a 20% penalty. GMS may charge 30% penalty. It’s highly important to let them know about your situation.
During this call, you will provide them with policy number, name and date of birth of the insured and a brief idea about the emergency. The claims department will provide you the claim number and forms. These forms are submitted back to the claims company along with receipts of medical bills. Subsequently, if the hospitalization was required then the insurance company will be directly paying the bills except the deductible amount chosen. They may also ask you for proof of travel date such as a copy of the stamped pages of the passport. Sometimes in case of the visitor to Canada & supervisa insurance other details like a note from a family physician in your country of origin may also be required.
Emergency assistance is available 24/7. Here is list of phone number of companies.
21st Century:
– Toll-Free – 1-877-882-2957 (Canada & USA)
– Collect – 1-519-251-7856 (Canada)
Destination Travel Group:
– Toll-Free – 1-833-886-1069 (Canada)
– Collect – 1-519-945-1069 (Worldwide)
GMS:
– Toll-Free – 1.800.459.6604 (Canada & USA)
– Collect – 905.762.5196 (for all other locations)
Manulife Financial:
– Toll-Free – 1-877-878-0142 (USA and Canada)
– Collect – 1-519-251-5166 (worldwide)
Allianz Global
Assistance:
– Toll-Free – 1-800-995-1662 (Canada & USA)
– Toll-Free – 00-800-842-08420 / + 800-842-08420 (Worldwide)
– Collect – 416-340-0049 (Worldwide)
TuGo:
– Toll-Free – 1-800-663-0399 (Canada and USA)
– Toll-Free – 001-800-514-9976 (Mexico)
– Collect – 1-604-278-4108 (for all other locations)
Travelance:
– Toll-Free – 1.800.334.7787 (Canada & USA)
– Collect – 905.667.0587 (for all other locations)
For any further assistance feel free to call Munish Mehan @587-718-8001.
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