Travel Medical Insurance: Direct Billing vs. Reimbursement
While TravelInsurance.com connects you with multiple insurers, the billing model depends on the insurer and the provider’s network arrangements. Some — like Allianz, IMG, GeoBlue — do offer direct billing in many scenarios. Others may require you to pay first and then submit for reimbursement. Direct billing appears to be more expensive, but well worth the cost if you don't have thousands of dollars to pay up front. Direct Billing (Cashless or Direct Pay): This involves the healthcare provider sending your bill directly to the insurer. You typically don’t pay upfront (unless you have a deductible or co-pay to cover, Several providers offer networks or arrangements where this is possible: Allianz : Offers a “Direct Settlement Process” in some cases — paying providers directly for eligible services, though you might still be responsible for deductibles, co-pays, or excess fees. IMG (International Medical Group) : Recognized by NerdWallet for showing medical providers with ...