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Ask Our Specialists
Helping our customers for claims denial As a broker, we work for our customers, not for the insurance companies. We all the time help our customers in case they are having trouble with the claims. That is misunderstood by some people. We help our customers if they are having some trouble with claim such as paper being missed, miscommunication, confusion, misunderstanding between customer and insurance company, and of course, if it is not clear whether something was pre-existing conditions or not or if we feel that the condition may not be pre-existing. That does NOT mean that we would help all our customers getting their claims approved no matter what the problem is. I just talked with a lady earlier today. His father in law had a history of heart disease and had angioplasty perforemed before. Even though I don't know all the medical details, from what she described over the phone, he got chest pain, essentially, recurrence of heart disease. That is very clearly pre-existing condition and insurance company correctly declined the claim. Now she wanted me to help her appealing the denial and was arguing that we claim we help our customers with the claims. As I already know that her father-in-law had previous heart disease, there are no further arguments I can provide to the insurance company that would justify the potential reversal of the claims. I thought I would post this message so that customers can get realistic idea of how exactly it works.
This has been my experience with visitors insurance and the help I received. I had purchased IMG visitors insurance for my parents. Unfortunately, during my parents visit to US, my mom had to be admitted into hospital for 3 days. I followed all the protocols of the insurance company, by informing them as soon as my mom was taken to ER and then admitted into the hospital. I gave all the insurance details to the hospital and various doctors office. The bill for 3 days had come to approximately $15000. After filing all the claim forms, along with all the reports from the hospital, the insurance company rejected my claim. I then contacted the Insubuy manager and informed him of the situation. I also forwarded him the details of the claim. He helped me in this situation and he spoke to the representatives of the IMG insurance company. Finally my claim was approved and paid. I would like to thank you for helping out in this difficult situation. Since, then I have been buying all my visitors insurance (parents, in-laws, sisters, etc..) through Insubuy. His service is very prompt and always willing to answer any question you may have. I would recommend him to anyone. Please feel free to contact me if you have any questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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You cannot find a lower price anywhere for the same product.
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.
Learn MoreTraveling to Europe?
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.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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