The cost of an insect bite - real story

The Disneyland Measles Outbreak reminded parents to vaccinate their children. But getting vaccine is not perfect. There's still a good chance to become ill. And, if it happens while your travel abroad, what do you do?  

HCC Medical Insurance website reveals a real story about a traveller who became ill in Bangkok, Thailand.
"The traveller was travelling overseas when he was bitten by an insect and developed an infection leading to multilobar pneumonia and exudative tonsillitis. His illness required 11 days in a Bangkok hospital. Unfortunately the language barrier made diagnosing him difficult and hospital employees regularly brought him bills and demanded cash payment. HCCMIS was able to arrange direct payment with the hospital, providing our member peace of mind about his mounting medical expenses."

"The total expenses was $12,149.37. Without insurance, the traveller had to face this big bill.
With Atlas Travel Coverage (HCC Medical Insurance Service Plan), the traveller paid $568.78(*)"


Some travelers, especially those whose destination is other than U.S., seek lower coverage. They assume medical bills shouldn't be expensive down there. Really? You'll never know how much the bill will be until you face it. Protect yourself well enough with travel insurance and enjoy your trip!


Questions about travel insurance? Contact info@biis.ca
To apply HCC http://www.biis.ca/global-expatriate-insurance/hccmis.php


Source: HCC Medical Insurance Service
http://www.hccmis.com/atlas-travel-insurance/?utm_expid=63060921-29.wdV8xUBlTva6uHQO5nwF3Q.0&utm_referrer=http%3A%2F%2Fwww.hccmis.com%2F

(*)deductible: $500, Policy maximum: 1 million, Coinsurance: waived for claim outside US or Canada, Premium: $68.78/60 days coverage

Speeding up the Claims Process

Spring is here and snowbirds are making their way back to Canada. While most of them will return home with happy memories, some will return to medical bills and claims paperwork, due to mishaps or ailments while away.

In order to have a smooth and expedient claims experience, we should:

• Contact insurance company as soon as possible to open their claim
• Send all documents right away – almost half of all claims forms are not returned within the first 30 days
• Double-check all forms are signed where indicated
• Ensure all bills are original and itemized, including original pharmacy prescription receipts (store or credit card receipts are not sufficient)
• Contact their doctor immediately regarding medical reports, as this is often one of the most common reasons for delay

If you have any questions or need help filling out claim forms, contact travel insurance companies immediately for help. Once the paperwork is received, the claims process can begin. Other delays are caused by third parties including doctors, hospitals, and airline companies, so the sooner you can provide all necessary documentation, the better.

Hopefully, we could have a safe trip, without incident. But if we do need to submit a claim, make sure to get it well-prepared. If we are going to purchase travel insurance next year, it is good to also provide with claims information. Don't hesitate to contact us, Bridges International Insurance Service, who can answer any questions you may have.

For more information on insurance, visit us at www.biis.ca or call 1-888-267-4461. Our staff would be pleased to answer all your inquiries.

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