Before I travel, do I need to advise Global Excel?
No, only advise Global Excel in case of medical emergency. However, you should be prepared to submit proof of your travel dates.

What if it's during the middle of the night on a Sunday and I need to see a doctor?
You can call Global Excel any time, we are open 24 hours a day, seven days a week.

What happens if I do not call you before I go to the doctor?
It remains your responsibility to ensure that Global Excel has been contacted prior to receiving medical treatment or as soon as reasonably possible. Failure to notify and obtain prior approval from Global Excel will limit benefits to :

a) In the event of a hospitilization, 80% of eligible expenses, based on reasonable and customary costs, to a maximum of $25,000 CAD;
b) and in the event of an out-patient medical consultation, a maximum of one visit per sickness or injury.

Can I have my physican or hospital direct bill with Global Excel?
Yes, you or the provider can contact Global Excel to make arrangements.

Do I fill out the whole claim form or just the highlighted portions?
You must fill out the entire claim form while making sure the highlighted sections are completed as well.

All coordination follows Canadian Life and Health Insurance Association Inc. guidelines, please refer to the following website: www.clhia.ca
In no case will the insurer seek to recover against employment related plans if the lifetime maximum for all in-country and out-of-country benefits is $50,000 Canadian dollars or less.

Where do I put the incident number on the claim form?
The incident number is located on the top right of the claim form. Quebec claim forms do not have an area on them for the incident number. Tip : Please write the file/incident number on each receipt.

Can I fax in my claim form?
No, we need to have your original signatures.

Do I send in a photocopy of my receipts or the originals?
Please submit your originals, but you must keep a copy for your records.

Can I fax in the receipts?
No, we need to have the original receipts.


Why are you asking my doctor to fill in a questionnaire about my medical history?
In the event of an accident, injury or sickness, your prior medical history will be reviewed in order to meet the requirements of your insurance coverage in regards to eligibility and pre-existing conditions.


I am receiving bills and/or calls from physicians and hospitals. What should I do?
We would ask you not to issue payments to the providers, but send in the bills to Global Excel immediately.


Do I have to fill out an accident report?
An accident report is required if your expenses arose due to an accident (everyone who receives a claim form also receives an accident report).