It is important to remember that international short-term health insurance is not a substitute for domestic insurance in the USA. It is only a supplement. It is to cover you for injuries and medical evacuation needed while outside the USA. If you are injured outside the USA, you must get your initial medical care outside the USA. If you only get medical care once you return to the USA, the insurance company will deny your claim.
To file a short-term health insurance claim, you need proof that you were injured outside the USA. This proof is a receipt and medical records provided by your doctor or medical practitioner outside the USA. Also make sure you get written proof that you went to the doctor while outside the USA. That will be proof to the international health insurance company that your injury took place while you were outside the USA. If you do not have that kind of documentation, your international insurance will not cover your medical costs in the USA.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.