InsureClaim

Your insurance said no.
Fight back.

Insurers reject 40% of claims hoping you'll just give up. A properly written appeal citing your exact policy doubles your chance of approval.

Write my appeal → Know your rights
Average successful appeal: $350–$2,000
REJECTED Their response vs. your appeal
ClaimMedical emergency overseas
Their excuse"Does not meet policy conditions"
Amount at stake$1,840
↓
✓ Your AI-generated appeal
"Section 4.2(a) of Policy HC-2847 explicitly covers medical expenses incurred overseas within 72 hours of emergency treatment. My claim meets all stated conditions. Failure to honor this claim within 14 days will result in escalation to the Financial Ombudsman."

Know your rights

Most people don't know they can appeal. Here's what insurers don't want you to know:

You can appeal any rejection

Every insurance policy has an internal dispute resolution process. You have the legal right to use it.

"Extra conditions" are often illegal

Insurers can't add requirements that aren't in your original policy document. We check for this.

The ombudsman is free

If your insurer still refuses, you can escalate to the Financial Ombudsman at no cost. They hate this.

You have 6 months to 6 years

Depending on your country, you can appeal months or even years after rejection. UK gives you 6 years.

We appeal every type of rejection

🏥

Medical emergency

Hospital, dental, ambulance — emergency treatment overseas

🧳

Lost / delayed baggage

Bags that never arrived, arrived damaged, or delayed 6+ hours

❌

Trip cancellation

Cancelled because of illness, family emergency, or work reasons

✈️

Flight delay expenses

Hotels, meals, transport caused by delayed or cancelled flights

⚠️

Trip interruption

Had to cut your trip short and fly home early

📱

Stolen belongings

Phone, camera, laptop, or valuables taken while traveling

🚗

Rental car damage

Collision, theft, or damage to rental vehicles abroad — excess recovery included

🏔️

Adventure sports injury

Skiing, scuba, bungee, trekking — even when insurers claim "excluded activity"

🛂

Travel document loss

Passport, visa, or ID replacement costs and emergency travel document fees

Without vs. with InsureClaim

FactorWithout appealWith InsureClaim
Cites your policy clause✕ NoSection 4.2(a), verbatim
References consumer law✕ NoInsurance Ordinance Cap. 41
Mentions ombudsman✕ No14-day escalation deadline
Document checklist✕ MissingComplete list provided
Success rate~20%~75%

Major insurers we know

We've studied their tactics. Here's how they reject — and how we fight back.

🛡️ Allianz
"Pre-existing condition not declared"
We cross-reference your policy's definition of "pre-existing" — often 90+ days without symptoms disqualifies their rejection.
🏢 AIG
"Medical report is insufficient"
We specify exactly which documents AIG requires per their own claims handbook and demand they state which element is missing.
🔷 AXA
"Claim not submitted within 30 days"
We cite AXA's own policy extension clauses and local consumer protection laws that override arbitrary time limits.
⚡ Zurich
"Excluded under hazardous activity"
We demand the specific policy schedule listing your activity as excluded — which often doesn't exist in the version you purchased.
🔒 Chubb
"Item value exceeds policy limit"
We challenge their valuation method and require proof of market value assessment per their own claims procedure.
🌐 FWD
"No police report filed within 24 hours"
We reference jurisdiction-specific reporting rules that often allow 48–72 hours, contradicting FWD's blanket 24-hour policy.
🏛️ MSIG
"Loss not covered under basic plan"
We verify whether the "basic plan" vs "comprehensive plan" distinction is enforceable under your purchase agreement.
💊 Bupa
"Treatment was not medically necessary"
We request Bupa's clinical criteria for "medical necessity" and cross-check with your treating physician's statement.

Real appeal examples

These are the kinds of wins our appeal letters make possible.

🇭🇰
$1,840

Emergency surgery in Bangkok

Rejected as "pre-existing condition." Our appeal cited the 12-month lookback window in their policy and the attending physician's acute diagnosis.

✓ Reversed in 11 days
🇬🇧
£2,350

Ski accident in the Alps

Rejected as "hazardous activity exclusion." Our letter proved the policy's winter sports add-on was active at time of purchase.

✓ Settled in 18 days
🇸🇬
$4,200

Trip cancellation — whole family

Rejected for "insufficient documentation." We itemized every expense receipt and cited the policy's own evidence checklist.

✓ Approved after ombudsman threat

Appeal deadlines by country

Know how long you have — and where to escalate if they won't budge.

CountryTime limitOmbudsman / BodyCost
🇭🇰Hong Kong6 months from rejectionInsurance Authority (IA)Free
🇸🇬Singapore6 months from rejectionFIDReCFree
🇬🇧United Kingdom6 years from incidentFinancial OmbudsmanFree
🇦🇺Australia2 years from rejectionAFCAFree
🇺🇸United StatesVaries by state (60 days–2 years)State Dept. of InsuranceFree
🇯🇵Japan1 year from rejectionFSCA (消費者相談窓口)Free
🇹🇭Thailand90 days from rejectionOIC (คปภ.)Free
🇪🇺EU (varies)2–3 years by member stateNational ombudsman / ADR bodyFree / Low cost

What your appeal letter includes

Every letter we generate is battle-ready. Here's what's inside.

  • ✓
    Exact policy clause citation — we quote the section, sub-section, and wording from your specific policy document
  • ✓
    Consumer law references — relevant insurance ordinances and consumer protection statutes for your jurisdiction
  • ✓
    Ombudsman escalation notice — a clear deadline for escalation to the relevant complaints authority
  • ✓
    Document checklist — every receipt, report, and form you need to attach to strengthen your case
  • ✓
    Rebuttal of their rejection reason — point-by-point counter-arguments to each excuse they gave
  • ✓
    Professional tone & structure — formatted as a formal dispute letter ready to send by email or post
  • ✓
    Requested resolution amount — the exact amount in your currency, calculated from your claim value

Don't let them keep your money.

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