Why were my Travel Insurance Claims Denied?
Why were my Travel Insurance Claims Denied? When you buy travel insurance from an travel insurance company- you have an expectation that your claims are going to be covered. Often, it's your travel insurance agent or a travel agency who sells you your a travel insurance plan. And often, your travel insurance agent is just your travel agent who has no experience selling insurance- and does not know how to ready the policy document or give you information about the terms and conditions in a travel insurance plan.
If you feel your claim is unfairly denied- you can file an appeal for your claim. INF offers a claims conceirge team which works with our clients to ensure the claims experience is as seems as possible. Whether you are traveling from your home country or staying at home- INF will always be there to help you through the claims, and claim appeal process.
Most travel insurance claims are denied for a few key reasons:
If you feel your claim is unfairly denied- you can file an appeal for your claim. INF offers a claims conceirge team which works with our clients to ensure the claims experience is as seems as possible. Whether you are traveling from your home country or staying at home- INF will always be there to help you through the claims, and claim appeal process.
Most travel insurance claims are denied for a few key reasons:
1) Incident was not covered by the InsuranceOften times- travel insurance companies will offer coverage for pre existing medical conditions call "acute onset of pre existing conditions." This is a very narrowly defined terms which basically allows insurance companies to deny claims. Even if you experience a claim denial, since most travel medical insurance companies are not based in the United States- you are not able to get any recourse for your suffering.
INF covers all pre-existing conditions- and our plans are underwritten by American based underwriters like Chubb & AXIS Capital. This gives you the confidence that your eligible claims will be paid fairly. 2) The incident happened before the coverage start dateMany times with travel medical or visitor insurance plans- people will buy insurance after they become sick, or after their flight is cancelled. As they say- some insurance creates a "moral hazard" - meaning only people who will need to use the insurance buy the insurance. Of course, no insurance company will be able to pay a claim for something which happened before the effective date of the policy. Whether you like it or, insurance companies are there to protect you if you ever need help- but not when you already need it. This would be like buying fire insurance when your home is already on fire- this is something no insurance would do. | 3) Your claim was not submitted properlySometimes claims are denied for either 1) being submitted too late, or 2) paperwork was not submitted properly. We suggest before you purchase any insurance policy to find out what the claims procedure will be and to submit a claim as soon as you use the insurance to ensure the insurance company has a record of your medical services rendered and reimburse you in a timely manner. Often times we see in both travel medical insurance and travel insurance that a certain form has not been filed correctly. Most of the time, the claims office is waiting for paperwork from either you, the hospital, or supporting documents needed to properly adjudicate and pay the claim. |