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Since your child is traveling out of the country to play hockey, we need to make sure their medical needs are taken care of. The health insurance you carry for your child is the primary coverage when they play in tournaments and camps. Before your child leaves August 7th, you need you to contact your health insurance agent/provider and ask a couple of questions.
1. If your child is injured out of the country, can they seek medical attention (i.e. can your child see a doctor while in Switzerland and will the coverage follow)? If the answer is yes, please have your provider fax a document saying where your child may or may not be treated.
2. If the answer is no, please ask if your child is injured out of the country, will the treatment of the injury be covered when back in the states (i.e. physical therapy, surgery, etc.), and how to go about receiving the reimbursement.
It is very important to address and pre-authorization for medical treatment before you child plays out of the country. If you don't find out, and your child does get injured, you will be responsible for their medical bills. Health insurance will usually follow yourself and your dependents out of the U.S.A. or Canada, but you need to ask your agent/provider. Please make sure you document the conversation for your records in case someone tries to tell you different.
At the time of an injury, we will try to obtain approval and payment for all treatments to your son while we are there. If we are not successful with this method of payment, we will submit the credit card information you provide on the Tour Health & Release Form as an emergency form of payment. If neither of these methods work, RMHS, and Bryan Smith, will pay for your childs medical costs while in Switzerland. These fees will have to be paid immediately upon our return, and all bills/receipts will be provided. You will then be able to provide these bills to your insurance provider for reimbursement.
HOSPITAL VISIT POLICIES:
The only way for insurance to work is if you can get your insurance company to sign off on covering everything, a full 100% of potential charges, ahead of time in writing. If this letter is not included with the health form, the player can attempt to get a copy of this form faxed to the hospital we are at, otherwise, they will have to pay the deposit amount as outlined above and be reimbursed for these expenses by your insurance company upon your return.
It is HIGHLY recommended that you purchase Trip Insurance prior to the trip. This insurance is not just for a canceled trip, but also covers the players health costs, lost flights and lost baggage. Most importantly however, it also works when your son receives an injury just prior to the trip preventing him from going and includes flight costs. A company we have had good luck with in the past is Travel Guard International, and they can be reached at 800.826.1300, or Travel Guard. They have proved very easy to work with in the past, have a great track record and an easy to use website and application process.