Knowledge Base – Trawick International Plans

Member Portal

Claim Forms

To submit a claim, you will need to find the claim form that is specific to your policy. 

To find information on claims and download the claim form for your policy, visit the Claim Information page.

Multiple claims can be submitted on the same claim form if they are for the same incident. For example, if you have a broken arm and there are claims for x-rays, physical therapy, and follow–up visits they can all be submitted on one claim form. If treatment won’t be completed within 90 days, please submit initial claims when they occur. Then subsequent claims may be submitted later.

Once the claim is approved, the claim is sent to accounting which issues payment whether by check, ACH or wire transfer. Wire transfers can take up to 7 – 10 business days to be seen in your account, depending on the bank. When checks are requested, please allow the normal mailing time to your location. Mailing checks overseas is not recommended.

GNI Team Q & A

Question: What kind of missing information may cause a claim to be delayed?

Trawick requires that receipts/invoices be itemized. It should include the name of the patient, date of service, and a breakdown of all the related charges.

If you are filing for reimbursement, the invoice should indicate that payment was received by the provider.

Question: Am I required to complete a Trawick Claim Form every time I go to the doctor?

Answer: The Claims department encourages all insureds to complete a Claim Form for each new onset of an illness or injury for care received outside the U.S. (in the U.S. you may need to send in a claim form if you are using out-of-network providers and / or you paid for your medical visit like an urgent care.  However, in the U.S., your medical provider should be sending in claim forms to First Health Network.)

All claims should be submitted within 90 days of occurrence. (Late submissions could result in the claim being denied.)

If you fail to submit a Claim Form (online or paper) or additional information is requested, you will see in your Member Portal, that the Explanation of Benefits shows that the claim has been denied. There will be a CODE given that will explain what is missing and why the claim was denied. This will, of course, result in delay of reimbursement for eligible medical expenses.

Question – Should I submit my original itemized bills and receipts as soon as I receive them?

Answer – Yes! Do not hold them until the end of the year. Trawick will apply eligible medical expenses to your deductible and coinsurance throughout your policy.

Once the claim has processed, there will be an Explanation of Benefits (EOB) available to view in your Member Portal.

Claims should be submitted within 90 days of the service date / date on the invoice. Claims submitted later may be denied.

Question – What must I do before a hospital admission or surgery?

Answer: Although there is not a pre-certification requirement for your Trawick coverage, it is best to notify the company right away so that Trawick can assist with working with the hospital to set up either a guarantee of payment or a direct billing for eligible medical expenses.

Medical treatments which are considered to be elective (not medically necessary) will not be covered.

The treatment proposed must adhere to the standards of care generally recognized as being appropriate to the injury or condition being treated.

Some treatments, even though they may be medically necessary, might not be covered because of policy exclusions.

1. Ask Doug – If I pay for medical services during my travels, how do I file a claim?
2. Ask Doug – What if the charges for emergency medical care get too high?
3. Ask Doug – If I pay for medical services during my travels, how do I file a claim?
4. Mastering the Timeframe for Travel Insurance Claims

We always recommend that you take time to practice the following steps in the claim process:

Present your Trawick ID card to all medical providers at the time of treatment (they may be able to bill Trawick directly or call on your behalf).

Submit Claims with itemized receipts, once services have been rendered.

Trawick short-term travel plans will work great for those that are traveling outside of their country of residency.