Most regular health insurance plans provide only partial or no coverage while you are traveling in another country. We offer several types of Travel Medical plans providing a range of benefits, such as medical coverage for pre-existing conditions, multi-trip and renewable protection, emergency medical evacuation, and coverage for long-term travel.
To learn more, see our Travel Medical Plans article.
Tokio Marine does not restrict you to a network of medical providers, so you are free to seek medical treatment from any certified medical provider. You should expect to pay out of pocket and receive reimbursement only after your medical claim has first been submitted to a primary health care provider.
Please keep in mind that the following expenses must always be Pre-certified:
ï‚Ÿ Inpatient care
ï‚Ÿ any Surgery or Surgical Procedure
ï‚Ÿ care in an Extended Care Facility
ï‚Ÿ Home Nursing Care
ï‚Ÿ Durable Medical Equipment
ï‚Ÿ artificial limbs
ï‚Ÿ Computerized Tomography (CAT Scan)
ï‚Ÿ Magnetic Resonance Imaging (MRI)
Apparently your injury did not require
Pre-certification or Tokio Marine would have instructed you to:
1. Contact the Plan Administrator at the telephone number contained in the Member’s Certificate as soon as possible before the expense is to be incurred; and
2. Comply with the instructions of the Plan Administrator and submit any information or documents they require; and
3. Notify all Physicians, Hospitals and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
Once again, we apologize that this may not have been fully explained to you during your phone call with the 24 hour assistance service.