Claims Management

Our System

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One system all functions. Built in-house with EDI connection and scanning capability. We live in a paper-less environment.

Claims Adjudication

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Our specialized team of examiners have a fiduciary duty to adjudicate all claims promptly, fairly and in accordance with the coverage purchased. We have procedures in place to provide cost effective claims adjudication in many languages

Investigation

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While most claims are payable, we find that from time to time we need to unmask a potential violation of trust. We use skilled and qualified experts in the field of investigation.

Appeals

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We have a second review or appeal process that allows the claimant to provide additional information that would assist in a more favorable decision. We adhere to the CLHIO guidelines for Appeals.

Litigation Defence

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We provide litigation defence or legal referral to our underwriters. Our lawyers are experts in the field of Travel Insurance Defence.

Recoveries and Subrogation

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Contracted with all Canadian Provinces for GHIP reimbursement and we have access to a network of lawyers worldwide for Subrogation