My travel insurance paid much less than my doctor bill from my trip. What can I do to get a fair amount?

Travel policies are not all the same. Washington's insurance office tells buyers to review the policy for what is covered and what is excluded [1]. Your policy may have limits, a deductible, or rules about which bills count. It also says to check your other insurance policies for similar coverage [2]. Another plan you hold may help with part of the bill. The sources do not say how two plans share one bill.

Ask the insurer, in writing, how it figured the payment and which policy words it used. Send an itemized bill and your medical records if you have not yet. If you think the insurer is wrong, say why and attach proof.

You can also file a complaint with your state insurance office. Washington says to file one if you think an insurer treated you or your claim unfairly [3]. The office can send your complaint to the insurer and require an explanation. It cannot decide the amount you should be paid for a claim [4]. The insurer's answer to Washington is due in 15 business days [5]. Other states have their own rules. The sources give no deadline for a travel insurer to pay, and no rule on how much a doctor visit must pay.

Open your travel policy and read the medical benefit limit, the deductible, and the exclusions. Compare them with your claim letter. These sources come from Washington; your state may have other rules. How a travel insurer must price a doctor visit is "Don't know yet".