This company will provide medical help at no cost to the insured but you have to ask. I did not realize this so I made my own arrangements which was repaid within a reasonable time after I submitted my claim. I was very satisfied with the service provided.
Abraham G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Thank you so very much for your review of the InsureandGo plan.
The Platinum policy states under the
EMERGENCY MEDICAL ASSISTANCE that "Our multiâ€lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help You locate local physicians, dentists, or medical facilities.
If you require medical assistance please call us immediately. We will coordinate medical services that you require during Your covered trip including admission to medical facility, guarantee of funds for admission, notifying family members, and medical evacuation and transportation services if required."
Should you call the 24 hr Assist company and it is not a medical emergency, InsureandGo will find a provider in the area network, so that the insured has no out of pocket expense. If the condition is unstable and they need immediate medical assistance, they will find the closest provider (whether in or out of network) and they may be able to pay on the insured's behalf, otherwise, it is reimbursable.
Of course, if the assistance company is not notified and the insured makes arrangements on their own, medical expenses will be on a reimbursement basis, if a payable claim. As you indicated, this is what happened in your situation, but had you called the assistance company prior to seeking medical treatment, they would have set you up with an in network provider and paid directly for you.
This is the first time I ever used InsureandGo, and I found their response to be excellent. I had picked up a suitcase and felt a sharp pain go through my neck. I just thought that it was a pulled muscle, but as time went on and the pain intensified I had to contact InsureandGo after first visiting a Chiropractor. They responded immediately and agreed to cover the MRI and chiropractor treatment which I needed (obviously after they had received the relevant material from the Chiropractor and after their local representative who was a Doctor approved the material). Things were held up at times which caused me some stress but that was due to their local representative not responding to me and not being as on the ball as he should have been. I had to contact him to ask him what was going on. So the only negative thing I would say is that InsureandGo should follow up with their local representatives more thoroughly and make sure they are in constant contact with the insured. But otherwise, very good. I did have to call to ask where my refund was and the Claims Manager dealt with it immediately and the check was sent out. On the whole highly recommended.
rosie l. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
The Platinum policy states under the
EMERGENCY MEDICAL ASSISTANCE that "Our multiâ€lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help You locate local physicians, dentists, or medical facilities.
If you require medical assistance please call us immediately. We will coordinate medical services that you require during Your covered trip including admission to medical facility, guarantee of funds for admission, notifying family members, and medical evacuation and transportation services if required."
Should you call the 24 hr Assist company and it is not a medical emergency, InsureandGo will find a provider in the area network, so that the insured has no out of pocket expense. If the condition is unstable and they need immediate medical assistance, they will find the closest provider (whether in or out of network) and they may be able to pay on the insured's behalf, otherwise, it is reimbursable.
Of course, if the assistance company is not notified and the insured makes arrangements on their own, medical expenses will be on a reimbursement basis, if a payable claim. As you indicated, this is what happened in your situation, but had you called the assistance company prior to seeking medical treatment, they would have set you up with an in network provider and paid directly for you.