My wife and I were just on a Viking River cruise. Halfway through, I got sick and we had to leave the cruise to get me to an ER in Germany where I was admitted with Covid and pneumonia. Spent a total of three days and was discharged with a preliminary bill, paid by me, of $5,500. Submitted the claim to Aetna which just denied the claim because of "No procedure billing code" available. What in the world? German hospital, paid and submitted by me. Where exactly would this American insurance billing code come from? We did provide the hospital records so they know exactly what was provided and it was extremely straight forward. Anyone with experience on the best way to handle this?
Also interested in anyone's experience with TripMate which is supposed to cover trip interruption. We never made it back to finish the cruise because of fear of spreading it or getting re-infected. Have a statement from my long time Neuro to return to the states ASAP. Submitted all receipts for lodging, meals, airline tickets, transport and medical including the letter from my Neuro.
Should note this. Viking did not have any covid tests, or masks and would not have required us to shelter in place or quarantine and would have welcomed us back knowing full well I was a probable covid carrier and capable of infecting others. At least one other person was known to have gotten covid and there was an awful lot of coughing and sneezing going on. Just saying. But they were great on helping my wife find an ER, arrange cabs, hotel rooms and packing. So there is that too.