Although the majority of our travel insurance claims are paid, in the event that your claim is denied, you can appeal the decision.
To avoid having your claim denied, review your policy thoroughly, in particular the pre-existing condition clauses, general exclusions and limitations sections of the policy. In addition, if you are unsure of how to answer any medical question on the application, review the question and your medical conditions with your doctor.
It is important to remember that any change to your health, including any recommended tests, follow-ups or referrals, can affect your coverage. Therefore, should you have a change in health between your date of purchase and your effective date of insurance, you should call Medipac for an understanding of how your policy is affected, including having a reassessment of your eligibility and rate category.