What If Your Visitors Insurance Claim is Denied While Traveling to the US?

Traveling to a foreign country, like the United States, is like an on-the-cloud-nine experience. However, it’s essential to be ready with your arsenal for any unforeseen circumstances that may pop up during your trip. 

One essential aspect of travel preparation is obtaining Visitors’ or Travel Medical Insurance. It provides coverage for medical emergencies, accidents, and other unforeseen events while letting you enjoy your trip. However, what if your provider denies your visitors’ insurance claim? What is the next step?

In this blog, we will explore the possible reasons for claim denials and offer guidance on what to do if you find yourself in such a situation.

Understanding Visitors Insurance

Before diving into the topic, let’s briefly discuss – what is visitors’ insurance. It is a type of travel insurance specifically designed for individuals visiting a foreign country. It provides coverage for various medical expenses, emergency medical treatment, trip interruption, and other travel-related incidents.

What are the Possible Reasons for Claim Denials?

Here are some of the potential reasons leading to travel medical insurance claim denial:

  • Pre-existing Conditions: One of the most common reasons for claim denials is the presence of pre-existing conditions. Visitors’ insurance usually excludes coverage for any medical conditions that are there before the policy’s effective date. If your claim involves a scenario including pre-existing conditions, the insurance company may deny coverage.
  • Non-Disclosed Information: When purchasing visitors’ insurance, it is crucial to provide accurate and complete information about your health history to your insurance partner. Failure to disclose any relevant medical information or providing false information could lead to claim denials. Insurance companies carefully review medical records and can detect discrepancies, which may result in denied claims.
  • Policy Exclusions: Travel Medical Insurance policies have specific exclusions that outline situations and circumstances not covered by the insurance. It is essential to carefully review the policy document to understand what is included and excluded from coverage. If your claim falls under an exclusion listed in the policy, it may be denied. So, be careful. 
  • Lack of Documentation: Insufficient documentation or failure to provide the required supporting documents can lead to claim denials. It is vital to follow the insurance company’s claim submission guidelines and provide all necessary documents, such as medical reports, receipts, and proof of payment, to support your claim. 

When buying a travel health insurance plan through a reliable insurance broking platform like Visitors Guru, they help you with all the relevant information that you may need in the future. If you have any questions about your travel medical plan, do not hesitate to ask questions and clear your doubts.

What to Do if Your Claim is Denied?

Follow the below tips to understand the steps after claim denial:

  • Review the Denial Letter: If your claim is denied, the insurance company will typically provide a written explanation for the denial. Carefully review the denial letter to understand the reason for the denial and the specific policy provision or exclusion cited. This will help you assess the situation and determine your next steps.
  • Seek Clarification: If the denial letter lacks clarity or you have questions regarding the denial, reach out to the insurance company’s customer service or your insurance broking partner, say Visitors Guru. Ask for detailed explanations and any additional documentation or information they may require to reconsider your claim. Keep a record of all communication for future reference.
  • Consult an Expert: If you are unable to resolve the issue with the insurance company directly, it may be beneficial to consult an insurance expert or an attorney specializing in insurance law. They can review your case, provide guidance on the best course of action, and help you understand if you have grounds for an appeal.
  • File an Appeal: If you believe your claim was wrongfully denied, you can file an appeal with the insurance company. Follow the appeal process outlined in the denial letter and submit any additional information or supporting documents that may strengthen your case. Be sure to meet the appeal deadlines specified by the insurance company.
  • Escalate the Issue: If your appeal is denied or you are unsatisfied with the outcome, you can escalate the matter to the appropriate regulatory authorities or insurance ombudsman in your home country or the United States. They can review your case independently and assist in resolving the dispute.

How to Prevent Claim Denials?

While it may not be possible to completely eliminate the risk of claim denials, there are steps you can take to minimize the likelihood of facing such situations. Here you go!

  • Read and Understand the Policy: Thoroughly read and understand the visitors’ insurance policy before purchasing it. Pay close attention to coverage limits, exclusions, waiting periods, and any specific requirements or conditions.
  • Provide Accurate Information: Be truthful and accurate when filling out the insurance application form. Disclose all relevant medical information, even if it may increase the premium. Always remember! Failure to do so can lead to claim denials.
  • Keep Documentation: Maintain proper records of all medical reports, bills, receipts, and any other relevant documents. This will help support your claim and provide evidence in case of a dispute.
  • Stay Informed: Regularly review and familiarize yourself with the insurance policy provisions and any updates or changes made by the insurance company. Customer-friendly insurance broking companies like Visitors Guru keep their websites updated. So, watch out for updates. Staying informed will ensure that you are aware of any modifications that may impact your coverage.


Facing a denied visitors insurance claim while traveling to the United States can be a challenging situation. However, by understanding the potential reasons for claim denials, following the correct steps, seeking guidance when needed, and taking preventative measures, you can navigate the process more effectively. Remember to be prepared, informed, and diligent when purchasing travel medical insurance to ensure a smoother and more secure travel experience.
To make the buying process simple, transparent, and informed, check out www.visitorsguru.com – the leading travel medical insurance broking company.

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Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.