How to dispute a VUMI health claim or ruling

If you are unhappy with a decision made by VUMI, 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.

The procedure by which an insured can dispute a ruling is outlined in the Terms and Conditions of your insurance policy.

Arbitration and legal actions

"The parties (you and VUMI) expressly agree that all claims and disagreements arising under the terms and conditions of your coverate, or related with it, are to be settled by binding arbitration in Dallas, Texas, USA. The arbitration shall be confidential pursuant to the Commercial Arbitration Rules of the American Arbitration Association.

"Any decision or compensation as a result of such arbitration shall be presented in writing and provide an explanation of the findings, by law and evidence, that has been reached, and include assessment of costs, expenses, and reasonable attorneys' fees. Such arbitration shall be conducted by an arbitrator who is experienced in the subject matter that pertains to the issue between the parties in question and its written record shall include the minutes of the arbitration hearing. The parties reserve the right to object to the intervention of any individual employed by or affiliated to a competing organization or entity. If the arbitration were to result in the receipt of compensation by either party, it may be subject to confirmation by a court of competent jurisdiction."

Governing Law

The parties agree to grant to the State District Courts of Dallas County, Texas (or if there is exclusive federal jurisdiction, then the United States District Court for the Northern District of Texas, Dallas Division) exclusive jurisdiction and venue over any disputes arising out of or in connection with this contract involving the parties, and the parties hereby consent to the jurisdiction of such courts.

Help is available

If you need support in your dispute with an insurer, reach out to Expat Insurance at claims@expatinsurance.com

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Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.