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Thread: IMG Declined Our Medical claim

  1. #1

    Default 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.


  2. #2
    Join Date
    May 2011
    Plano, TX


    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

    Please contact our office at (866) INSUBUY and speak with a Claims Resolution Specialist.
    Last edited by insubuy; 01-12-2018 at 10:04 AM.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470

  3. #3


    Thanks for your reply , I called your office and I am working with them.



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