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Policy Changes

Changing, cancelling, or renewing an existing policy.
Expat Insurance
By Expat Insurance
• 24 articles

What happens if I lie on my health insurance application?

Why you should not lie on your health insurance application to get a better offer. First of all, this is fraud. It is illegal, and the insurance providers could press criminal charges against you if the situation is severe enough to warrant it. Many times the insurers will simply deny your claims. Many clients may not think is that bad until they are in the situation where this occurs. For more severe risk, the insurance company has a right to deny the health policy outright, and will issue a refund for it, even if the claim experienced was unrelated to the health condition omitted from the application. This effectively can negate your policy for any big claim you may file. Trust us: your money is better spent on the actual emergency or alternative coverage. As an agency with thousands of clients around the world, we unfortunately have to deal with fraud at times, and every single time, it's a terrible situation that involves large financial debts, denials of coverage, and sometimes even death. We really hate being in the middle of these disputes, as we are **client advocates first **and many times have to help clients with a long, drawn-out legal dispute when they are obviously lying. This strains our relationships with the insurers, puts hospitals and doctors out large sums of money, and leaves clients with untreated medical conditions. If you are still intent on lying on your application, please don't do so through us; we really don't want your business. Here is how fraud normally turns out for a client during a large claim: A client applies to an insurer truthfully and gets an exclusion he does not like. That client then decides to commit insurance fraud against another insurer to get a better offer. He picks his target and applies; this time, he intentionally omits his medical condition. Let's say he hides the fact that he is taking blood pressure medication. The insurer gives him full coverage, and issues the standard policy, with no exclusions: just what he wanted. A few years later, the client has a severe emergency, he arrives to the intensive care unit and doctors are not quite sure what is wrong. After a week in the ICU, many tests, and consulting with specialists, the condition, which may or may not have been related to his heart, is treated. (Many times more severe cases take longer to resolve.) For reference, an average heart stent here in Latin America ranges between $15,000-$50,000 USD, which is the risk the applicant thinks he doesn't retain anymore. During the client's time in the ICU, his doctors refer to his medical history; sometimes it's requested from the home country; sometimes its a distressed spouse trying to keep a loved one alive during this stressful time; sometimes the medical condition may have been obvious and shows how long it would take the condition to get to its current stage. Regardless, this condition is then reported to the insurer, who is in touch with the hospital for payment of expenses. At this point, the insurer determines that the client had a non-disclosed, preexisting condition. At this point, the insurer will simply deny the claim, and in more severe fraudulent cases, they will outright cancel the policy for any benefits or conditions. The client may try to fight back, but the insurance company simply refers to the conditions of coverage, signed by the insured, and points out their right to cancel the policy or deny the claim due to the omission of details on the application. We have had full policies get cancelled right in the middle of large, complex claims involving multiple conditions that may not even be related to the preexisting condition. This leaves the family of the patient and the hospital involved in a terrible situation. Many times care will stop until the client puts down a large deposit on the needed care, or hire an air ambulance to their home country which can be extremely expensive without an evacuation policy. Fighting the insurer on their denial ruling, despite the fraudulent omission can take months to reverse, way too long for your loved one to get care. What could have happened? If the client hadn't lied, he might have received an exclusion. In this case, the insurance provider would have notified the hospital of the exclusion. This would cause the insurance company to have paid the entire bill if it wasn't related to his heart. Otherwise the hospital, upon realizing the bill would not be paid by the insurance company, could have worked with the client to find a solution before things escalated. This may be a reduction in cost for paying directly, or a referral to a public option they can utilize more cheaply. If this was one of our clients, we would have suggested ahead of time that he: - Get a supplemental evacuation plan from us for about $500 a year that can get him back to his home country, where his Medicare, provincial plan, etc. could have covered him. - Purchase a plan that covers pre-existing conditions. - Shop around to multiple carriers with different risk tolerances that may give you a better offer, such as an increased deductible for the preexisting condition instead of a total exclusion. - Purchase a local government-subsidized plan that may cover preexisting conditions, or have a backup plan to go to a lower-cost public hospital in case of a heart-related issue. Lastly, our applicant could've gotten a plan that with higher deductibles and lower benefits that would save cost over the years just in case he has other catastrophic claims. His savings through the lower-cost policy may well be enough to self-insure and cover that potential $50,000 surgery, while still providing coverage for everything else. Hopefully, this persuades at least a few people to be truthful on their applications and avoid suffering the consequences of insurance fraud. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

Everything you need to know about insuring preexisting conditions

Have a condition you want covered with international insurance? Check out this guide Important Note The first thing to say is that if you do have a preexisting condition, you may not be able to get coverage for it abroad. Insurance by definition is for covering unknown risk, not realized risk. Whether you can insure a preexisting condition will depend on: - Your citizenship country - Your destination country's local offerings - How severe your current condition is - Your ability to show documents related to your condition Before you leave your home country - Collect your medical records If you are still in your planning stage of moving abroad, you should get a copy of your medical file(s). This for one is just good to have abroad regardless. Foreign countries won't have access to this, which can be important for hospitalization and claims. Old medical files can be very hard to get after you leave your home country due to medical privacy laws. For example, many people take Prozac for minor depression. If you declare this to an insurer, they will need a written record from your doctor saying what your diagnosis is and why. People suffering from may be denied insurance from some providers. Reach out to an agent at [email protected] and we may have options for you. - Get a checkup if you're still covered under old insurance If you have insurance already that will cover a checkup on your condition, go get it done. Recent medical records showing the current state of your condition may be requested abroad. If you're not currently insured, you may consider waiting to do it more cheaply abroad. This is also generally a good practice; don't move to a foreign country not knowing your current health status. You don't want to waste money moving abroad and have to go right back due to an unexpected diagnosis. - Give yourself plenty of time Please do your research before moving abroad; many policies will give you better benefits if you are coming from another insurance plan or have good documentation for your condition. If you have a set date planned, contact us about 30 days before you leave, and that will give us plenty of time to find a good solution for you. www.expatinsurance.com/quote Strategies for preexisting conditions coverage - Self-Insure - This is obviously a risky proposition, but also unfortunately what many people end up doing due to lack of preparation, lack of options due to the severity of a condition, or lack of funds. If you are coming from a place like the USA, you will find that care abroad is surprisingly inexpensive! If you are Canadian or European, you might be shocked at the higher cost! In Mexico, labor is cheap but medical supplies and equipment are still quite pricy, at least the modern supplies and technology that is many times imported from countries like the US. Things like doctor visits, generic medications, and routine surgeries often can be paid out of pocket. Catastrophic claims can quickly escalate however. Below are some common claim costs we see in Mexico. Do note,** these vary drastically depending on the situation and location**. For example, a high-cost tourist hospital is usually going to be a lot more expensive than a rural general hospital. Also note, these costs may be a bit inflated as insurers are often charged more than if you are paying cash up front. Many places will negotiate costs with you if you get second medical opinions beforehand. If someone is planning on self-insuring completely, I recommend they have at least $50,000 saved. This will handle the majority of medical events we see abroad. We rarely see claims go over $100,000, but that's not to say they don't happen. Try to have backup options in place listed below. (If you are going to be living in a higher medical-cost area, these rates will not be relevant.) Sample Claim cost **in USD **for Mexico. Doctor Visit - $25-$60 Hospital Room - $200-$700 per day ICU - $1,000-$3,000 per day Evacuation - $15,000-$100,000 Surgeon Fee - $2,000-$15,000 Heart Stent Equipment - $8,000 Average Minor Surgery cost: $3,000-$15,000 Average Total Major surgery: $25,000-$150,000 Our largest 2021 claim - $850,000 Government Options There are many countries that offer partially- to fully-public healthcare. Do your research in the country to see what options are available. It is also important to look at the insurance requirements. **M****any times they will require a resident visa or citizenship to qualify, and many times these processes are started in your home country. **In the example below, we will take a look at Mexico’s current government options. The landscape in Mexico has changed a lot over the last few years. Mexico used to have a public health system called Seguro Popular that covered pre-existing conditions, but that plan has been rolled into the new INSABI program that the Mexican president Lopez Obrador implemented. There is also the IMSS program, which is a large social security insurance system  that also administers a network of hospitals and regulates drugs on the Mexican market. Typically workers qualify for IMSS insurance through employment benefits. While Seguro Popular often covered preexisting conditions, neither of the current public options (hampered by insufficient resources and no small amount of corruption) do so. I am going to reference our partner mexperience.com article on this subject, they always stay up to date and have great content: How to access the public healthcare system. In our experience, the quality of public healthcare in Mexico can vary drastically. We have heard many horror stories from the public hospitals, but we have also heard much praise for the dedicated and highly-trained doctors working in some public hospitals. Many times it comes down to how strained the facility's resources are currently. If you are willing to work through the system this maybe a solid option for you. If you have a government plan in your home country, here are some guides on common options: How does the US medicare system work if you are living abroad? How does the Canadian provincial system work if you are living abroad? Travel Insurance / Evacuation If you are self-insuring, we recommend at least having an evacuation policy and/or a travel health insurance policy in place. Evacuation A standalone evacuation policy is generally needed to get you back to your home country to treat your preexisting condition. Most evacuation policies cover preexisting conditions like any other condition, and there is also no differences in cost based on your age. This makes it a really good proposition for people that are either priced out of policies, are uninsurable, or have coverage of their preexisting condition in their insurance plan at home. You may think your travel policy, or perhaps even your credit card benefits, may cover evacuations. However, these benefits will usually only evacuate you to the nearest facility that can treat you. This means that you are only "evacuated" as far as the nearest hospital that can treat you. This is why we recommend a standalone evacuation plan if looking into this method.  Two companies we recommend are the following: AirMed TME Travel Medical Evacuation When comparing evacuation companies, we generally recommend Airmed. They have their own fleet of air ambulances and lenient terms on when you are evacuated which make it a great options. Another carrier we enjoy working with is TME Travel Medical Evacuation (formerly Travel MedEvac). This carrier allows you to add on emergency travel insurance for when you can't be evacuated, which can help out in certain claims. Do note for this plan you must have a US billing address for your credit card, and only up to 180 days per policy. Travel or Vacation Insurance You may find that travel policies will sometimes say they cover pre-existing conditions. If you are buying a policy for this, make sure to read the fine print. Many times coverage is for the *acute onset *of a preexisting condition. This does not mean you have comprehensive coverage; this is mostly stabilization just for the onset of that medical event and does not provide ongoing or outpatient care. Every travel insurer is different, however, and some are more comprehensive than others. Here are some products we recommend: GeoBlue One good option if you are a US citizen, is to check out GeoBlue from BlueCross/BlueShield. Their Voyager plans have more comprehensive benefits than most carriers we have found, and they do not use the "acute onset" wording as most carriers do. Voyager Choice - Click for quote If you are keeping your US primary healthcare plan, they will cover preexisting conditions under the policy for up to 180 days. This is a good option for people that are just testing out living for extended periods abroad. This plan is common for our US nomads that may have comprehensive plans through employers or parents. - Voyager Essential - Click for quote Similar to the plan above, but for people without a primary healthcare plan in the US. This plan covers preexisting conditions for evacuations only. Do note if you are in this position, GeoBlue has more comprehensive long-term medical plans we mention below. IMG / Trawick / HTH / Cigna These are carriers that have the acute onset of preexisting conditions coverage I mentioned. All plans have their own unique benefits and target markets; I would recommend exploring them all and seeing which company you like. For a more comprehensive guide on our travel carrier options check out this guide.## - Long Term Major Medical These plans are simply the long term health policies you would normally apply for. Most will require underwriting and different carriers maybe good for your unique situation. We recommend talking to one of our brokers to help match a plan. Here are some common options we sell. Covers Preexisting Conditions Normally GeoBlue Xplorer - Click for Quote This plan is the only long term health provider that truly covers preexisting conditions. It is only for US citizens however, and can get expensive as you age, due to the increased risk the insurer is taking on. Also note they can still deny applications, but if you are approved, you will not receive any exclusions. Has minor Pre-Existing Benefits Morgan White - New America (Click for brochure) or Worldwide Medical Trust (Click for brochure) You should also consider Any of our other providers. Different carriers have different risk they may accept. It is worth submitting your medical history to a few carriers as some may accept your conditions. Here is a list of commonly uninsurable risks. If you have one of these conditions, it will be hard to get you coverage, your best chance would be with GeoBlue above as they are the most lenient with preexisting risk. Want to see if we have insured your condition before? Check out our ongoing offers list here. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to transfer your GeoBlue policy to a new broker

GeoBlue Broker Transfer Many potential clients message us saying they already have a policy with one of our insurance providers and simply want to transfer to us as their agent. This seems like a simple request, but some insurers limit the amount of transfers that can be approved to a certain agent each year. Before trying to transfer to a new agent, please note that **we cannot help you with open issues with your prior agent; this includes open claims and open disputes. **If you are having an issue, please resolve all your claims and disputes with your current broker before trying to request an agent change. **It is highly likely that your previous broker has done the best they can with your concerns, and we will not be able to do anything differently that can resolve your issue. **If you received a claim ruling you did not like from the insurer, you should make sure all required medical documents requested were filed correctly. You can also file an appeal of any decision, and also initiate a third-party arbitration. As we can only accept a few broker transfers per year, we may be at our limit when you make the request. At this point, the only way we can become your broker is if you switch to another insurance provider of ours. Please contact our sales team to see what policies we can offer you: [email protected] Broker Transfer Process: To request a transfer of agent is a fairly simple process and your policy benefits will not be affected. - Ensure all your claims and issues are resolved with your prior broker. Again, we will not accept clients with open claims or disputes. Also note you can only transfer agents at the time of your annual renewal. - Email us at [email protected] to see if we can currently accept any new transfer clients. - If approved from our sales staff, you will need to email GeoBlue your intent to switch to another agent, the information and agent code of your new agent, and the reason you wish to switch agents. - GeoBlue will review the transfer to the the new broker, if approved, there is a 10 business-day waiting period from receiving the request until the transfer is complete. - After 10 days, confirm your broker of record is updated in your Member Hub. See this article for how to register and manage your GeoBlue policy online. If successfully completed, you can then make your renewal payment in the Member Hub to complete the process. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to transfer your BMI policy to a new broker

BMI Broker Transfer Many potential clients reach out to us saying they already have a policy with one of our insurance providers and simply want to transfer to us as their agent. This seems like a simple request, but some insurers limit the amount of transfers that can be requested each year to an agent. Agent changes are only allowed at the time of the annual renewal. Before trying to transfer to a new agent, please note that **we cannot help you on open issues with your prior agent; this includes open claims and open disputes. **If you are having an issue, please resolve all your claims and disputes with your current broker before trying to request an agent change. **It is highly likely that your previous broker has done the best they can with your concerns, and we will not be able to do anything differently that can resolve your issue. **If you received a claim ruling you did not like from the insurer, you should make sure all required medical documents requested were filed correctly. You can also file an appeal of any decision, and also initiate a third party arbitration. As we can only accept a few BMI transfers per year, we may be at our limit when you make the request. At this point, the only way we can become your broker is if you switch to another insurance provider of ours. Please contact our sales team to see what policies we can offer you: [email protected] BMI Broker Transfer Process: To request a transfer of agent is a fairly simple process and your policy benefits will not be affected. - Ensure all your claims and issues are resolved with your prior broker. Again, we will not accept clients with open claims or disputes. Also note you can only transfer agents at the time of your annual renewal. - Email us at [email protected] to see if we can currently accept any new transfer clients. - If approved from our sales staff, you will need to email BMI to notify them of your intent to switch to another agent. Include the information and agent code of your new agent, and the reason you wish to switch agents. - BMI will review the transfer to the the new broker, if approved, there is a 10 business-day waiting period from receiving the request until the transfer is complete. - After 10 days, confirm your broker of record is updated by registering for the BMI portal. If successfully completed, you can then make your renewal payment in the portal to complete the process. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

A Guide to Health Emergencies

Instructions on what to do in a health emergency abroad This guide will help you prepare for what to do in an emergency situation that ends up in hospitalization. Please read on to learn tips to properly utilize your insurance. Most urgent steps to resolve: Get the person that is hurt to a hospital immediately. Either call an ambulance or coordinate transportation to their hospital of choice. If an emergency happens in your local region it is best to already know which hospital to go to. If you are in an unfamiliar place or outside of your country of residence, here is a list of global emergency numbers. Gather the patient's medical records if you have them. Doctors abroad will not have access to your medical history; these can be vital for diagnosing an issue quickly. Other items that can be helpful: Prescription medications, phone chargers, identification, warm clothing, pillow, spare change of clothes, pen and paper to help document important facts (things can be hard to remember when stressed), laptop and charger. **Notify someone you trust of your emergency. ** They can act as your medical advocate if you are unable to. They can also help tremendously in managing your affairs such as pets left at home, coordinating family members, or helping doctors identify who can make critical medical decisions for the patient. We have heard of patients abandoned in hospitals abroad without any way of knowing who their family or friends are, which can leave the doctors in a very tough situation during catastrophic claims. Notify your insurance provider of your emergency. Call them, then email them. This should be one of the first things you do after stabilizing the patient. Some insurers will charge a penalty if they are not notified within 48 hours of the emergency. Be prepared to pay your full deductible at the hospital. Some hospitals may also require a deposit regardless of your deductible status. Deposits have been more frequent since the Covid pandemic. If you are asked to put a deposit down, we recommend asking if they can put a hold on a credit card for a deposit amount to be released when the insurer pays their portion to the hospital. Your insurer will coordinate with the hospital to verify you have active coverage and will begin the process of setting up a direct payment for the rest of your bill if it will exceed your deductible. We also highly recommend emailing them, and stating your medical event in order to keep a paper trail. Some insurers will deny notification due to improper record keeping by a hospital employee, and it can incur a penalty to you for their mistake. This will cover your bases and could save a lot of frustration later on. Notify Expat Insurance of the emergency. We can help coordinate benefits for your claims if there are any issues. Send a WhatsApp message to Claims Support: +52 +1 (800) 577-4308 Ext 503 Office Phone: +1 (800) 577-4308 Ext 503 Email: [email protected] Before you leave the hospital, gather as many documents from the Claims Checklist as possible. They are much easier to collect before you leave. This is especially true if you are filing for reimbursement as the hospital would have already received their money and has less incentive to help you. Claim document list Advice for Global Claims How to choose a hospital, and is it in network? It is best to know ahead of time where you would like to be treated in the event of an emergency. Most international insurance providers allow you to go to your hospital of choice. If you have doubts, call your insurance provider, and they may have a local hospital they are familiar with. Most insurers work off what's called the UCR: Usual, Customary, and Reasonable rates. This means you can choose any hospital and the insurer will pay out benefits at that region's average rates. It is rare we see hospitals price out of these rates, but it does happen. Try to avoid predatory tourist hospitals. These hospitals mostly prey on unknowing tourists and charge exorbitant rates for healthcare. Many of these hospitals are located in tourist hotspots, frequently on cruise routes taking in patients at a premium rate. If you look up local ex-pat Facebook groups or ask around to locals, you should be able to find a good private hospital that people trust. If your plan does utilize a network, consult the insurance provider's network list. Request the list from [email protected] In the United States, a network is almost always required to be used. Typically for doctor networks, we see either Aetna (Consult their Directory of Health Care Professionals here) or United Healthcare (consult their doctor directory here), but be sure to check your policy. For emergency hospitalizations, many times there is a separate hospital list you need to go to if you want to avoid penalties. How do evacuations work? There are different ways to be evacuated if you find yourself in that type of medical emergency. Many credit cards, travel plans, or health insurance plans will have evacuation benefits, but they typically only evacuate you to the nearest medical facility that is adequate to treat you. Be sure to contact your credit card company before your travel to find out what they offer. We personally have only seen this benefit being approved if you are in a remote region, or are approaching your policy's maximum annual limits. We do have standalone plans with much more comprehensive evacuation benefits if it is important for you to be treated in your home country. Here are a few trusted providers: - Air Med (specializes in evacuation and has its own fleet of aircraft for medical transport) - TME Travel Insurance - Medjet Assist How do I plan follow-up care? Please contact us to do a pre-certification with your insurer for any follow-up treatments. This will allow the insurer to see if the treatment is medically necessary, within your benefits, and also attempt to set up a direct pay with the provider if applicable. What if the hospital doesn't accept insurance? Private hospitals are not required to accept insurance policies, and many times hospital relations can change depending on how busy they are or what their current outstanding claims are with that insurer. We have also seen hospitals in more remote regions of the world that only accept cash deposits. We don't see this issue frequently but do try to go to larger, more established hospitals to avoid this. Many times you can call them ahead of time to see if they accept domestic or international insurance policies. If you are in this situation, you will either need to go to a different hospital or pay for care out of pocket and then file for reimbursement. Getting a second medical opinion from a different surgeon or hospital can many times resolve this issue. What if the hospital won't let me leave after getting care? In most jurisdictions, only police officers are allowed to legally detain a citizen. Despite this, many hospital administrators will imply or even state flat-out that you can't leave without the bill being paid in full, even if they agreed to accept the direct pay arrangement from your insurance before you were admitted. In most countries, you should have already signed a contract for the amount owed. This legally-binding contract should be enough for you to leave the hospital. Inform them that the insurance provider will pay the remainder of the bill and that you wish to leave. Our clients in Mexico experience this the most often, we generally suggest calling the police if you continue being illegally detained. It is in your best interest to have the insurer deal with larger bills above your deductible and copay. If they accept insurance, the hospital's billing department should work with the insurer to satisfy document requests directly. In our experience, it can be much harder to get documents from hospitals after they have gotten their money. What if I forget to notify the insurance provider? Most insurance providers will have a penalty if you do not notify them within a certain number of hours, typically it's a 30-50% penalty on your approved amount if you do not notify the provider within 48-72 hours. Check your provider's conditions of coverage for your policy. If you are in a coma or for some reason cannot notify the insurer, they do make exceptions to this rule. For any further questions please reach out to [email protected] or [email protected] Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to renew or change your Cigna policy

Renew or change a policy If you have registered a credit card with Cigna, then you will automatically be billed on the renewal date of your policy. If you have not registered a credit card with Cigna then you will need to log into Cigna's Customer Area to process your payment. If you are unsure if you have registered a credit card, you can always check in the Customer Area, or feel free to reach out to [email protected] for assistance. All you will need is your email address and password to access your account. If you have forgotten your password you will be able to request a reset at the login screen in the Customer Area. Once you are ready to process the payment go to Cigna's Customer Area and select which plan you have. Most of our clients will have a Global Individual Policy, but if you are unsure which to select you can email [email protected] for help. Once you have selected the type of plan you have you will be prompted to enter your account information. If you would like to make a change to your Cigna plan please contact [email protected] to request the change. Some changes are very straightforward and only require a quick form. However, increasing benefits to your Cigna plan will more than likely require underwriting again which means Cigna has the opportunity to deny or exclude health history. If you have any questions about changing or renewing your Cigna policy you can email [email protected] with any general questions. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to transfer your Morgan White policy to a new broker

BMI Broker Transfer Potential clients of Expat Insuranec often message us saying they already have a policy with one of our insurance providers and simply want to transfer to us as their agent. They love our service and want us on their insurance team. This seems like a simple request, but some insurers limit the amount of transfers that can be requested each year to an agent. What to do first? Before trying to transfer to a new agent, please note that **we cannot help you on open issues with your prior agent; this includes open claims and open disputes. **If you are having an issue, please resolve all your claims and disputes with your current broker before trying to request an agent change. **It is highly likely that your previous broker has done the best they can with your concerns, and we will not be able to do anything differently that can resolve your issue. ** If you received a claim ruling you did not like from the insurer, you should make sure all required medical documents requested were filed correctly. You can also file an appeal of any decision, and also initiate a third party arbitration. As we can only accept a few Morgan White transfers per year, we may be at our limit when you make the request. At this point, the only way we can become your broker is if you switch to another insurance provider of ours. Please contact our sales team to see what policies we can offer you: [email protected]. Morgan White Broker Transfer Process: If we are able to transfer your policy to a new broker, the transfer is a fairly simple process and your policy benefits will not be affected. Broker transfers can only be completed at the time of your annual renewal. - Ensure all your claims and issues are resolved with your prior broker. Again, we will not accept clients with open claims or disputes. Also note you can only transfer agents at the time of your annual renewal. - Email us at [email protected] to see if we can currently accept any new transfer clients. - If approved from our sales staff, you will need to email Morgan White to notify them of your intent to switch to another agent. Include the information and agent code of your new agent, and the reason you wish to switch agents. - Morgan White will review the transfer to the the new broker. If approved, there is a 10 business-day waiting period from receiving the request until the transfer is complete. - After 10 days, confirm your broker of record is updated by registering for the Morgan White portal. If successfully completed, you can then make your renewal payment in the portal to complete the process. Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to dispute a GeoBlue health claim or ruling

If you are unhappy with a decision made by GeoBlue, there is an official process you can follow to resolve disputes. This will involve gathering documents and supporting evidence in an official statement to the insurer. The first step is to appeal the decision over the phone or in writing. Dispute Resolution All complaints or disputes relating to coverage under your Certificate of Coverage from GeoBlue must be resolved in accordance with their grievance procedures. Grievances may be reported by telephone or in writing. (See our article How to contact GeoBlue.) All grievances received by GeoBlue that cannot be resolved by telephone conversation (when appropriate) to the mutual satisfaction of both you and GeoBlue, will be acknowledged in writing, along with a description of how the insurer proposes to resolve the grievance. GeoBlue shall not take any retaliatory action, such as refusing to renew or canceling coverage, against the Covered Person and his/her Insured Dependents or the Member because the Covered Person's, the Member's, or any person's action on the Covered Person's or the Member's behalf, has filed a complaint against the Insurer or has appealed a decision made by the insurer. Escalation All grievances not resolved by the abovementioned grievance procedures, and all other controversies and claims arising out of or relating to the Policy, or any coverage provided thereunder, shall be determined by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and Mediation Procedures ("Commercial Rules") including, if appropriate, the International Commercial Arbitration Supplementary Procedures and the Supplementary Rules for Class Arbitrations. The award rendered by the arbitrator shall be final, non-reviewable, non-appealable and binding on the parties and may be entered and enforced in any court having jurisdiction. There shall be one arbitrator agreed to by the parties within twenty (20) days of receipt by respondent of the request for arbitration or in default thereof appointed by the AAA in accordance with its Commercial Rules. The seat or place of arbitration shall be Philadelphia, Pennsylvania. The Insurer will meet any Notice requirements by mailing the Notice to the Member at the billing address listed on our records. The Member will meet any Notice requirements by mailing the Notice to: 4 Ever Life International Limited c/o GeoBlue, 933 First Avenue King of Prussia, PA 19406 Toll free: 1.855.481.6647 Help is available If you need support in your dispute with an insurer, reach out to Expat Insurance at [email protected] Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026

How to dispute a Cigna health claim or ruling

If you are unhappy with a decision made by Cigna and believe that they denied coverage erroneously, there is an official process you can follow to resolve disputes. This will involve gathering documents and supporting evidence in an official statement to the insurer. Complaints Any complaint should first be sent to Cigna. There are several ways to contact them. You can find their contact information in our article, How to contact Cigna. Upon receipt of the complaint, Cigna will determine the validity and offer a solution. Escalation If the complaint is not resolved, it may be referred to the English Financial Ombudsman at: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0800 0 234 567 or outside of the UK: +44 (0) 2079 640 500 Email: [email protected] According to Cigna's terminology, the Financial Ombudsman Service "can adjudicate most (but not all) complaints. Its decision is binding on Cigna, but the person making the complaint may reject the decision without affecting their legal rights (including their right to bring court proceedings). Unless specifically agreed to the contrary, [your insurance policy] is governed by, and will be interpreted in accordance with, the law of England and Wales." Any disputes arising from your insurance policy, including disputes about its validity, formation and termination, will be determined exclusively in the courts of England and Wales. Help is available If you need support in your dispute with an insurer, reach out to Expat Insurance at  [email protected] Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.

Last updated on May 05, 2026