Contact your insurer
For an emergency, call the 24/7 assistance line on your ID card before or right after treatment.
From treatment to payment in four steps
Claims are reviewed and paid by your insurer. Here is the path, start to finish.
You send it to your
insurer directly
insurer directly
Get your claim form
Find your plan to download its claim form, policy details and benefit summary.
Gather your documents
Bills, receipts, medical records and proof of travel. Use the checklist.
Submit to your insurer
Send everything directly. They review the claim, keep you updated and pay it.
Claim form finder
Find your claim form
Choose your insurance company or search for your plan name to find the claim form, policy details and claims phone number.
GMS
With pre-existingPlan-B With Pre
21st Century
With pre-existingEnhanced Plan
Policy detailBenefit summary
No claim form listed for this plan. Call the number below to request one.
GMS
With pre-existingDaily Plan-B
Manulife
With pre-existingPlan-B
GMS
With pre-existingDaily Plan-B
GMS
With pre-existingDaily Plan-B
GMS
With pre-existingDaily Plan-B
GMS
With pre-existingPlan-B With Pre
GMS
With pre-existingPlan-B With Pre
Secure Travel
With pre-existingEnhanced Plan-2
Secure Travel
With pre-existingStandard Plan-2
Secure Travel
With pre-existingStandard Plan-2
Not sure which plan you have? It is printed on your policy confirmation. Or contact us and we will help.
Build your claim pack
Choose your claim type, then tap each document as you collect it. A complete pack is reviewed faster.
PRO TIPPhotograph every paper the day you get it and keep copies of everything you send. Make one claim per incident. Not sure which plan you have? Search it in the finder.
Two ways your bill gets settled
Which one applies depends on the clinic or hospital and your insurer. Ask before treatment when you can.
Direct billing
The provider sends the bill straight to your insurer.
- Show your insurance ID card when you arrive.
- The provider contacts your insurer and bills them.
- You may still be asked to sign a claim form or pay your deductible.
Pay and claim
You pay the provider, then ask your insurer to pay you back.
- Pay and keep itemized bills and receipts.
- Fill in your plan's claim form.
- Send the form and documents to your insurer for reimbursement.
Either way, call your insurer's assistance line as early as you can. Some plans require it before treatment that is not an emergency.
Know where your claim stands
Your insurer reviews claims in the order received and keeps you updated. Reply quickly to any request for more information, which usually arrives by email.
By emailWatch for updates and requests from your insurer, including your spam folder.
By phoneCall the claims number for your plan. Have your policy and claim numbers ready.
OnlineMany insurers have a member portal where you can upload documents and see progress.
What each status means
New
Your claim has been received and is waiting to be reviewed.
No action neededPending
Under review, or the insurer is waiting for documents from you or the provider.
Check your emailApproved
Payment is issued to you or the provider. Your explanation of benefits shows the details.
DoneDenied
Read the explanation of benefits for the reason. You may be able to appeal.
See appeals belowFive mistakes, five fixes
Most denials are avoidable. Flip each card to see how to stay clear of it.
Mistake01
No proof of the incident
Without hospital records, police reports or airline confirmations, the insurer cannot verify what happened.
Mistake02
Missing medical documents
Claims need doctor’s notes, itemized bills and proof of payment to confirm the treatment.
Mistake03
The expense is not covered
Every plan has limits and exclusions. Costs outside them are refused.
Mistake04
A pre-existing condition
Plans without pre-existing cover can refuse claims linked to an earlier condition.
Mistake05
Filed too late
Policies set a reporting time limit. Late claims can be refused even when covered.
Not sure you’re covered?
Ask before you claim. Our advisors read your policy with you, free.
Call 1-855-500-8999Read your EOB like a pro
After your claim is processed, your insurer sends an explanation of benefits (EOB). It is not a bill. It shows how the insurer handled each charge.
- What the provider billed
- What the plan covered and paid
- Any deductible or amount you owe
- The reason for any charge that was not paid
If something looks wrong, compare it with your policy wording and call the claims number for your plan.
EOBSample layout
- Amount billed
- Plan paid
- Deductible
- Not covered
How to appeal a denied claim
You can ask your insurer to look again.
- Read the EOBFind the exact reason the claim, or part of it, was denied.
- Check your policyCompare the reason with your policy wording and benefits.
- Gather supportAdd missing records, receipts or a letter from your doctor.
- Send your appealSubmit it to your insurer in writing, then reply to any questions.
A real person, on your side
Your insurer decides and pays claims. We make the process easier, in English, Hindi or Punjabi.
Example conversation
You never handle it alone.
Call or message us whenever you are unsure. Here is what we help with.
Finding the right form
We identify your plan and its claim documents.
Knowing what to send
We walk you through the checklist for your claim.
Reaching your insurer
We point you to the right claims team.
Understanding your policy
Benefits, exclusions and your EOB in plain words.
Visitor Guard is a broker. We do not review, approve or pay claims.
Ask us anything
The questions families ask us most about claims. Pick one to read the answer.
It depends on the provider and your insurer. Some bill the insurer directly, others ask you to pay and claim it back. Call your insurer’s assistance line first; they can often direct you to a provider that bills them.
With your insurance company, not with Visitor Guard. The claim form for your plan lists where to send it. Use the claim form finder above to download it.
Fill in your plan’s claim form and send it to your insurer with itemized bills, receipts, proof of payment and the other documents on the checklist.
Often yes. Many insurers ask you to complete and sign a claim form even when the provider billed them directly. Check with your insurer.
No. We are a broker. Your insurer reviews, approves and pays claims. We are happy to help you find the right form and understand your policy.
Your plan name is on your policy confirmation. Try a shorter search such as “Enhanced” or “Plan-A”, or contact us with your policy number and we will point you to the right form.
Yes. File one claim per incident, each with its own documents, and keep copies of everything you send.
Yes. Read the explanation of benefits, compare it with your policy wording, gather any missing documents and send a written appeal to your insurer.
Question 01 of 08
Will I pay upfront, or will the hospital bill my insurer?
It depends on the provider and your insurer. Some bill the insurer directly, others ask you to pay and claim it back. Call your insurer’s assistance line first; they can often direct you to a provider that bills them.
Still unsure? Call 1-855-500-8999
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