Ask Our Specialists

It is not entriely true. Visitors insurance plans are meant to cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It is not a blank check to pay for all your medical bills. They are not meant to cover any pre-existing conditions. It is certainly possible that a lot of people who may require medical attention may be due to pre-existing conditions and not covered. And most of the postings you see in the discussion boards and experiences section are the ones who are complaining about the claim not being paid, even if it was legitimately declined. Most people who are paid claims properly never bother to report and therefore, you never come to know about so many claims properly paid. However, that does not at all mean that visitors insurance plans are only meant for accidents. Insurance companies routinely pay for new medical conditions (sicknesses) as well. If a given company pays 5,000 claims correctly, and if one claim is legitimately declined, that one customer goes to 10 different web sites and posts everywhere and 10,000 people read about it and many of them think that this company is not paying claims. But many such readers are overlooking the fact that the same company paid 5,000 claims correctly. And even that one claim was legitimately declined. And even if that one claim was legitimate and had administrative delay or confusion or hassle for whatever reasons beyond one individual's or one company's control, that does not make the entire company bad. And of couse, in this paragraph, I am only talking about the plans that we offer, from US companies. I can't really comment on the insurance plans from foreign companies (outside US) that we don't represent. If you have any further questions, please feel free to post them here or contact us at any time.