Dental insurance - Refuse to payout: treatment abroad

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Based on resolver’s experience to date, needing urgent dental treatment whilst abroad can be a stressful and painful time. If you have dental insurance you can purchase extra cover so that in the event of requiring treatment outside of the UK you are covered by your private insurance. Check your policy small print carefully as there may be exclusions to the policy cover. If you haven’t opted for this add-on then you are not covered by your dental insurance policy. If possible then it may be worth contacting your insurer to see if your policy can be amended to cover you for treatment abroad prior to having any treatment abroad. You may be able to claim on your travel insurance policy (if you have one) for temporary emergency dental treatment for the relief of immediate pain although that could be subject to exclusions too.

If you have a query regarding your inability to reclaim the cost of treatment abroad then resolver recommends that you submit your concern in writing to the customer service department of your insurer. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly unable to claim. You should keep a copy of this letter, and send it by registered mail in order to facilitate effective escalation. If you are not happy with the outcome then as a last resort you can contact the Ombudsman, which will act as a mediator in your case. resolver can assist you in submitting, recording and reminding you when and who to escalate to.

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know

If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.

If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 6 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.

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