Quote:
Originally Posted by Rainger99
Thanks for the answer!!
If I have $50,000 in medical coverage and the cruise ship charges $47,000 for treatment for the flu, and I produce documentation from the cruise ship that the bill was $47,000, in your experience would the insurance company pay all of that? Even if 99% of doctors and hospitals would only charge about $5,000 for the treatment?
It seems to me that if a cruise ship knew what the policy limits were on your travel insurance that the bill might be "inflated" to about what your policy limits are!
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Hi!
In the 25+ years of our company, we have never seen an insurance carrier not reimburse on any eligible cruise line bill, and realistically if someone needs that much care they'd be taken off the ship more than likely anyway.
A peronsal family friend of mine was in the BVIs and needed a potassium drip for 4 days and was charged $20,000! IMG (International Medical Group) was the insurance carrier of her policy. They covered it even though that seems excessive for the treatment in my personal opinion.
We always suggest calling the 24 hour assistance line when getting treatment from a hospital or facility so they can try to cost contain and direct bill so they can pay the facility directly.
No claim is guaranteed without the documentation to tell the entire story and we are not the claims department, but we work closely with the claims department heads of the carriers we recommend to people.
Honestly, I have ALOT of follow up questions on this article to see how the bill got so high. I wish I knew the whole story... hate hearing that he is now burdened with the bill.
-Kristen, Trip Insurance Consultants