It looks like each month there’s a information story about Canadians who’ve had their travel insurance claims denied. If you happen to’re one among these unlucky people, listed here are a couple of pointers for what to do if an organization has denied your travel insurance declare.
Make clear the Cause
First, be certain the corporate tells you precisely why your declare was denied.It is best to have a transparent, effectively outlined and documented motive for the denial. If you happen to don’t, press again and demand an intensive, clear reply on your declare’s denial. Just remember to get the clarification in writing.
Learn Your Coverage
Take a look at the nice print of your coverage to see if the insurance firm is justified in denying your declare. Keep in mind that your travel insurance coverage is a authorized settlement between you and the insurer. Many instances, travel insurance corporations are justified in denying the declare, primarily based on the wording of the travel insurance coverage.
Attraction The Denial
Journey insurance corporations have an in-house attraction course of. Contact the travel insurance firm and ask on your declare to be appealed. It’s actually simpler and cheaper than going to a lawyer, and it forces the corporate to take a tough second have a look at your declare and the explanation it was denied.
If you happen to’re in Ontario, the Monetary Providers Fee of Ontario (FSCO) has a useful checklist of all firm criticism officers and their contact info for insurance corporations right here.
Get an Ombudsman Concerned
Only a few folks know this, however there’s an ombudsman service for shoppers who’ve had their travel insurance declare denied. The service known as the Canadian Life and Well being Insurance coverage Ombudservice. There’s additionally a Normal Insurance coverage Ombudservice which might be able to assist.
Ask the Hospital to Scale back your Medical Payments
Once more, that is one thing that’s not broadly identified, however many hospitals (particularly these in the US), provide packages to scale back their charges for many who can’t pay. You’ll must contact the hospital straight, and also you’ll in all probability have to supply a mountain of paperwork, however it might probably prevent 1000’s of .
Get Authorized Assist
Taking an organization to courtroom needs to be the final choice, because it’s probably an costly and time-consuming course of. That mentioned, when you’ve exhausted all different choices, it’s possible you’ll must get a lawyer concerned. On the very least, having a lawyer in your aspect might persuade the corporate that you simply’re not an issue that’s simply going to go away quietly, and it could spur them to motion.
Picture by 401(Okay) 2012 on Flickr.