Although the majority of our travel insurance claims are paid, in the event that your claim is denied, you can appeal the decision. To avoid having your claim denied, review your policy thoroughly, in particular the pre-existing condition clauses, general exclusions and limitations sections of the policy. In addition, if you are unsure of how to […]

If you have other insurance with out-of-country benefits (in addition to your Medipac plan), you must complete the Other Insurance Information section of the claim form. Where two or more insurance plans exist, each plan will contribute to the claim subject to their overall limits and based on their terms and conditions. An exception to […]

Bills must meet certain criteria in order to prevent fraud and for submission to Government Health Insurance Plans. Most provinces and territories will only accept an original invoice in order to provide reimbursement. Usually this means an invoice that includes procedure codes, diagnostic codes, the tax ID of the medical provider, etc. If payment has […]

Payment of the policy deductible is required at the time of claim. Therefore, if you selected a deductible when you purchased coverage, you must be prepared to pay your deductible to Medipac at the time you incur a claim. If you have made payments directly to one or more healthcare providers, Medipac may be able […]

The deductible is in USD no matter where you travel. The deductible applies only once during a single trip policy term. If you have purchased an Annual Add-on, the deductible applies per trip.

To make a claim on behalf of a deceased insured, you must complete Claim Form B (for incapable or deceased insureds) and provide a notarized copy of their Last Will and Testament along with a notarized copy of the death certificate. In the absence of a Will, provide a Certificate of Appointment of Estate Trustee. […]

A witness can be anyone who sees you sign the claim form; this can include a family member, friend or neighbour.

Before a claim can be settled, certain requirements need to be fulfilled. This includes, but is not limited to, the receipt of your fully completed, signed and witnessed claim form and any provincial forms; payment of your deductible (if applicable); and proof of departure if claiming under the Annual Add-on. In addition, Medipac Assist will […]

When you call Medipac Assist prior to seeking medical attention, part of their role is to facilitate the claims process. Medipac Assist can mail you a Claim Kit or you can download the forms that you need. Either way you will be provided with everything necessary to submit your claim. All documentation should be returned to our […]