HCC Medical Insurance Services
Travel insurance isn't something you expect to review -- you buy it, you hope nothing goes wrong, then you come home and forget about it. If, something goes wrong and you need to make a claim, however, you expect the worst in paperwork and hassle. Unfortunately, we had to make that claim, but surprisingly, the experience was very quick and easy.
We were traveling with a 1 year old who got a high fever just after we got to Paris -- we thought we would go to the ER just to get checked out, maybe a prescription for some fever reducer and be on our way. Well, our 7pm visit turned into an all-night nightmare and 2-night hospital stay (another story for the hospital review!).
At 4am, when it became apparent that she was going to be admitted, I called the claims number from my mobile phone. Thankfully, the call was quick and easy. The representative took down some basic info and was very flexible when we didn't have some info like the hospital address or fax numbers. He gave us a fax number where the hospital could submit paperwork and that was basically it -- I asked if there was anything else we needed to do to get pre approval, and he said we had already fulfilled our responsibility in notifying them. Great! When it came time to visit the hospital billing department, they had local numbers in France with French speaking representatives -- this was a big help and big relief for us as it meant that all the details could be worked out directly between the hospital and insurance company. (The only complaint here was that the hospital staff got put on hold for several minutes waiting for a representative, with people waiting behind us, I thought she was going to give up.) With that exchange of info, we were done! I haven't heard from the hospital or insurance company since -- and that's the way you want it!
While I hope no one has to have their holiday ruined by similar circumstances, at least based on this one experience of mine, you can know that this company came through when we needed them, provided great service, and did exactly what an insurance company should do in exchange for all the times that we pay them and nothing goes wrong.
And by the way, if you are traveling with a baby, I highly recommend getting travel medical coverage -- it's so easy for small kids to get sick and you need that peace of mind that you can go see a doctor if you need to and not worry about costs. Maybe you don't need a million dollars in coverage, but go with the lowest deductible that you can afford.
Happy and safe travels to you all!
recommend this plan to a friend or relative.
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