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Im flying to the USA from England
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this post was submitted on 13 Nov 2024
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This could vary depending on the situation, but as someone who works in healthcare in the US (pray for me), it doesn't really matter if you've got proof of traveler's insurance, unless I'm able to bill them directly and get a paid claim for it. In every case I've dealt with traveler's insurance (admittedly not a ton, but these things are usually handled similarly across the industry), I've been instructed by the insuring company to bill the patient/ client, and that the client will be submitting a claim.
If it's something relatively inexpensive like medication, you'll probably be charged at the pharmacy, pay out of pocket and get reimbursed.
If, God forbid, you need to stay at a hospital, or dare to mention the word "ambulance", you'll be given a bill for $1 million, which you'll forward to the insurance company. They'll handle paying the hospital, then follow up with you on any kind of copay you're meant to be left with.