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Ask Our Specialists
IMG Declined Our Medical claim Hello , we were purchased patriot America Plus insurance from InsuBuy for me and my wife for our USA visit in May 2017 for 3 months to visit our son. but unfortunately my wife got seizures during our trip in Washington DC. we visited emergency care in Baltimore . they diagnosed through CT scan and MRI scan she had brain tumor and due to facial changes symptoms we went again to emergency care in Michigan city. we only did diagnosis not any further treatment in USA . we came back to our home country for further treatment . but we got diagnosis bill around $ 9078 and after follow up with IMG from last 6 months last week they declined our claims with giving the reason preexisting condition not covered. but this was occur first time and we didn't had any knowledge until this point . this was not preexisting condition still we had patriot America Plus which covers preexisting as well. this is only diagnosis bill . I am requesting you please help us to resolve our claims. Thanks Bhanudas
We are sorry to hear that you are having claims problem. Please note that the visitors insurance plans exclude pre-existing conditions even if they occur first time and you didn't know about it. As long as the condition existed prior to the effective date of the policy, it would be excluded. Patriot America Plus covers acute onset of pre-existing conditions but it must all of sudden without any prior warning or symptoms and you must take treatment within the next 24 hours. More details at /visitor-insurance-acute-onset-of-pre-existing-conditions/ Please contact our office at (866) INSUBUY for more information.
Thanks for your reply , I called your office and I am working with them. Thanks Bhanudas
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Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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