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Claims Appeal for a Polyp and Pre-existing Condition in Visitors Insurance

Claims Appeal for a Polyp and Pre-existing Condition in Visitors Insurance

Millions of people of ethnic origins live in the U.S., either on temporary or permanent basis. However, many of their close relatives, such as their parents, live outside the U.S., many times half way around the world. It is natural that they would like to invite their relatives to visit them. Many of them are elderly and visit for a longer duration such as from three to six months. As the healthcare is very expensive in the U.S., it is highly recommended to purchase visitors insurance. Just like any other insurance product in the world, each visitors insurance plan has its own specific terms and conditions. For most people, claims work out just fine. However, some people run into claims issues that they can’t resolve on their own. That is when the knowledge and experience of Insubuy’s Claim Resolution Specialists can be quite valuable in a time of need.

Reason for Claim Appeal

Before they started their travels, the customer purchased their international visitors insurance plan. Two weeks after the plan became effective, she sought treatment for amnesia, anxiety, and rectal bleeding. A colposcopy was done and they were diagnosed with hemorrhoids and a polyp. The claims department denied the entire claim as a pre-existing condition for a mental health disorder.

Attempts to Appeal Before Contacting Insubuy

The insured’s anxiety was not actually due to a mental health disorder. It was merely a side effect to the stress from their medical condition. They got the doctor to correct the billing codes and filed an appeal. Part of the claim was overturned on appeal and the insurance company paid some of the bill. But not all of it, the polyp was still deemed a pre-existing condition. For that reason, and because the appeal process was taking longer than normal, our customer decided to call us for help.

After Contacting Insubuy

The insurance company had a strong case that there was medical certainty that the polyp was a pre-existing condition. Once proper authorization and medical records were provided by the customer, Insubuy’s claim resolution specialist continued to fight the insurance company to have the full claims paid. We communicated with the insurance company often over a 5 month period and finally got the entire claim paid.

The entire claim was paid and the patient’s responsibility was $0. Insubuy was instrumental in helping our customer get over $32,000 of their claims paid.


While it is easy to make an instant purchase of visitors insurance from the numerous websites that offer them, who you buy from really makes a difference if you run into legitimate claims issues. You need to know that the broker you choose is knowledgeable and willing to help you with issues after the sale. Insubuy has been in business for around two decades and deals primarily with international visitors insurance. Insubuy’s staff has unmatched expertise and experience in the visitors insurance industry. With the volume of sales Insubuy regularly has, we can easily reach the necessary staff at a given insurance company, including upper management, as legitimately justified to put forth the legitimate and accurate arguments to get an insured’s legitimate claim approved.

Insubuy’s claim resolution help comes at no additional cost to the customers and in time of need, we can make a big difference in getting the claim paid or not. If you are experiencing a denial of your legitimate claims, and need help appealing, contact us for assistance immediately.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New 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.

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Going 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.

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Are 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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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling 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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International 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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