1) Incident was not covered by the Insurance
Often 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 date
Many 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 properly
Sometimes 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.