Reimbursement
Also known as: Pay-and-claim, Indemnity, Refund, Expense recovery
Reimbursement is your insurer paying you back after you have paid for medical treatment out of your own pocket.
Last updated: 2 April 2026
Real-world example
You see a dermatologist in Barcelona for a sudden rash and pay EUR 120 by credit card. You photograph the receipt, the doctor's report, and your credit card statement. Back home, you submit these to your travel insurer online. After 3 weeks, EUR 120 minus your EUR 50 excess (EUR 70) appears in your bank account.
Why travellers need to know
Most travel insurance operates on a reimbursement (pay-and-claim) model for outpatient care. You pay the provider, then claim back. This means you need: cash or a credit card to pay upfront, original itemised receipts, and a medical report in English (or with translation). The reimbursement model works smoothly when you collect documentation at the time of treatment. It becomes painful when you try to obtain receipts or reports after leaving the country.
Frequently asked questions
How Nomedic helps
Nomedic stores your medical receipts, reports, and treatment summaries alongside your health records, so everything you need for reimbursement is in one place.
Your health records, anywhere you go
Your receipts and reports, ready to submit.
Free to start. No credit card required.