¿Necesitas un seguro de viaje?
Residentes USA No residentes USA
Comunícate con nosotros

Free Denied Claim Analysis

Free analysis · no commitment

Did your insurer reject a medical claim?

We explain why it was denied, in simple words, and what options you have. Free, no commitment, no matter which insurer you’re with.

Talk to our specialist nowTell her your case by voice. She listens, identifies the technical reason for the rejection and sends you the analysis in writing.

A rejection is almost never arbitrary — but it’s almost always confusing

When an insurer denies a claim, it sends a letter full of technical language and references to policy articles that almost nobody understands. Most people give up right there. Our job is to translate that letter for you and tell you, honestly, whether you have a path forward or not. And before anything else, check the clock: here are the filing and appeal deadlines for all six insurers, with the article from the policy wording.

We listen to your case

What happened, what they told you and when. No long forms, no waiting.

We identify the real reason

We translate the policy language into plain language and tell you which category your rejection falls into.

We tell you what you can do

The concrete steps available — and if there’s no path forward, we tell you that too.

The 8 reasons claims get rejected

Pre-existing conditionThey say the condition existed before the policy. It’s the number one cause.
Waiting periodThe benefit wasn’t active yet. Typical with maternity.
No pre-authorizationThe insurer wasn’t notified before a procedure that required it.
Out of networkCare was received at a facility not covered by the plan.
Policy exclusionThe treatment isn’t covered under the contract.
Incomplete documentationMissing invoices or reports. It’s the easiest one to reverse.
Late payment or lapsed coverageThe policy wasn’t current at the time of the event.
Limit exhaustedThe annual cap for that benefit was used up.

Tell us your case now

Press the button, allow the microphone and talk to our specialist. It takes a few minutes.

About your conversation: when you talk to our virtual advisor, the conversation is transcribed and saved so we can send you the analysis in writing and follow up on your case. We use that information only to assist you and, in aggregated and anonymous form (without your name or contact details), to understand which rejection reasons are most common in the region. We do not share your information with your insurer or with third parties for commercial purposes. You can ask us to delete your data by writing to jb@seguros360.com.

The voice assistant opens. Allow the microphone when prompted.

How it works

1

You tell us what happened

By voice, WhatsApp or email. Whatever you remember: the treatment, the insurer and what they told you.

2

We analyze the reason

We classify the rejection and check whether the technical reason holds up or whether there’s something to dispute.

3

You receive the analysis in writing

To your email, with the concrete steps and the deadlines you need to watch.

4

You decide

If you’d like, we’ll also look at what coverage would keep this from happening to you again. No pressure.

And if the problem is the plan, not the claim

Many rejections don’t happen because of bad faith on the insurer’s part, but because the plan had low limits, a closed network or broad exclusions from the start. International health insurance works differently: coverage amounts in the millions of dollars, a worldwide hospital network, coverage in dollars and clearer rules about what is and isn’t covered.

If your case shows that pattern, we’ll prepare a comparison of international options for your profile — no commitment. We work with VUMI, Best Doctors and EVER Health, among others.
Transparency: Seguros360 is not your current insurer, and this analysis is for guidance only, not legal or medical advice. We cannot guarantee that a rejection will be reversed. What we do is explain honestly what your policy says and what options you have. For legal action, consult a lawyer in your country.

FREE · 24/7

Prefer to call? Alan will take your call now

Our virtual analyst Alan listens to you, classifies the technical reason your claim was rejected and walks you through the available options. Confidential, free, no sign-up.

+1 (786) 901-6433

Or keep talking through the voice widget below. Both channels go straight to Alan.

Do you know how many days you have left?

Each insurer sets its own deadline for submitting a medical expense and another, shorter one for appealing a denial. Once it passes, the expense can no longer be claimed — and nobody warns you. Enter your insurer and the date, and in two seconds we'll tell you how many days you have left and which article of the policy wording it comes from.

Calculate my deadline →

Free, no sign-up, and it works with any insurer — whether you're our client or not.