Here are a few helpful tips to keep in mind while filing a claim.

Know your Plan!

Study your plan and read the fine print. Call us if you have question because its our goals to make sure you know what is covered.

Always use your medical ID card when you receive treatment. If your plan requires pre-certification prior to treatment, follow the pre-certification guidelines.

Document Everything!

ALWAYS keep receipts of all medical care received. You need to submit all claims to the insurance company within 90 days of the medical care received, even if you have not reached your deductible. When submitting claims always submit a SIGNED “Claim Form” that is provided by your insurance company along with copies of all receipts.

If you have questions about claims, you have an e-mail address on your Medical ID card so you can e-mail the company with your questions. All claim matters are handled by the insurance company through their claims departments. These people specialize in handling claims and deal with thousands of clients every year .Insurance brokers do not get involved in claims, but we are here to help assist in the process of filing the claim and getting status updates.

Be Patient!

Be patient and persevere in getting the information requested to the company. If you accept from the beginning that reimbursement on your claims may take four to six weeks, it is easier to accept the delay.


Please click on the Insurance Carrier/ Company that provides your policy. You can find this information on your ID card or fulfillment documents:

International Medical Group (IMG)

HCC Medical Insurance Services

Seven Corners

HTH Travel Insurance

Trip Armor / Trip Assure Travel Insurance


John Hancock

Travel Insured International


Travel Guard

AIG Travel Guard

Berkshire Hathaway

Trawick International

Please call us at 1-800-576-2674 if you need assistance with filing a claim or receiving a status update on a claim.

Thank you