How can we help?

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist:

+1 (866) 384-9104

7:00AM - 6:00PM PT (Mon-Fri) Open

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

Travel Health Insurance: Myths and Misconceptions

Travel Health Insurance: Myths and Misconceptions

This article describessome known myths and misconceptions about travel health insurance thatcommonly exist and whichwe hear quite often.

Here is an interesting one

Visitor is Quite Healthy So There isNo Need for Travel Health Insurance.

About 6 months ago,VisitorsCoverage received a call from a local customer, who was inquiring about aninsurance quote for his visiting parents from India, and said he needed insurance just for his mother and not for his father.

Out of curiositythe agentasked why not for father?

This is what he replied, exactly My father is an X-military person and in good shape, so I dont think I need health insurance for him.
Travel Insurance Myths vs. Truth

After a few weeks, wegot a call from the same person and he was sounding nervous, seeking advice and requested if he could get an insurance policy for his father now, as his father got admitted to the hospital theprevious night due to an internal head injury, as he fell down from his apartments second floor stairs. His father was admitted to the hospital and the total bill was around $76,000.

It was too late; no insurance was going to cover this existing problem for him. Anywayswe worked with him to negotiate with thehospital and got some discount and a flexible payment arrangement. He still ended up paying a huge amount.

This is not the only incident whichwe have come across, there are many similar cases, but we wanted to bring this up as a perfect and simple example of how risky such wrong decision can be.

It is certainly a wrong perception that travel insurance is not needed for people who are physically fit on a given day, or have no health problem so far. Risk can come from anyhere, if you are in a country like the USA, where the health care cost is extremely high, it can be financially and emotionally devastating.

2. Travel Insurance Companies will Deny All Claims by Saying It IsA Pre-Existing Condition.

“Visitor insurance is not worth itsince insurance companies deny all claims by categorizing them as pre-existing conditions?” This is exactly whatwe hear, very often. Internet forums are infested with such questions and topics.

Interestingly many people dont say this out of their own experiences, but what they say is Heard it from a friend or read it on an internet Chat forum

I think these so called friends and chat forums have played a major role in spreading such negative rumors/misconceptions.

Let us try explaining this

Visitor Insurance companies will deny all claims by saying it is a pre-existing condition. – is not a true statement.

It may me true to say this – Majority of claims that are denied are due to pre-existing conditions

And thats the fact, since visitor health insurances and many travel health insurance do not cover pre-existing conditions. Many buyers are unaware about this, they just buy the insurance by looking only at the policy maximum amount assuming everything is covered. A claim denial for services given for an existing condition comes as a big shock.

So, naturally, a question arises – Why pre-existing conditions are not covered, despite paying a high premium for insurance?

Well, this is a topic by itself. In order to get to the root of it; we have to go into the details of this monster known as pre-existing conditions. To learn more about this topic in detail,refer to the FAQs – Travel insurance for pre-existing conditions andvisitor insurance pre-existing conditions. If you have any additional questions about travel insurance, email us

Related Articles

Visitors Travel Insurance – Understand The Plan Benefits, Before Buying It

Pick the Right Plan Type: Limited or Comprehensive? Shopping for the right visitors travel insurance…

I Have Travel Insurance, Do I Pay Upfront At The Pharmacy?

Many travelers to the U.S. are surprised when they have to pay upfront for their…

Travel Insurance for USA: Essential for Your Trip

Millions of international tourists travel to the United States of America every year, with the…

Top 12 Travel Tips for Seniors

Seniors are ready to travel. Most international destinations are accessible to older travelers but some…

Infographics: Travelers Checklist

In the chaos of planning a trip or getting ready to leave for the airport,…


Skydiving is an activity found on many peoples Adventurous bucket list. Skydiving involves wearing specific…

Infographics: Travel Insurance Myths Vs. Truth

Travel insurance: some say it’s necessary; others say you don’t need it. Others may feel…

Infographics: Things Not To Carry While Traveling

As many travelers may already know, tourists are easy targets for pickpockets. Unfamiliar with their…

Why US Citizens Need Travel Insurance the Most

While planning a trip abroad can be extremely exciting, it’s important to keep in mind…

ChoiceAmerica: A Unique Travel Insurance Product

VisitorsCoverage continuously strives to provide consumers with products that are in line with travelers current…

7 spooky places to visit this Halloween

With the month of October comes thechanging of leaves, a noticeable chill in the air…

COVID-19 Coverage for Visitors to the US

Although the COVID-19 outbreak has put a pause on worldwide travel, vaccine rollouts and easing…

Nine Tips For Safer Winter Holidays If You Must Travel

Updated April 26, 2021 The COVID-19 pandemic has affected holiday travel. Many people are understandably…

Is it Safe to Travel Internationally?

2020, the year of grounded flights, docked cruises, closed borders, and stay-at-home orders, was tough…

VisitorsCoverage Wins Awards for COVID Response

VisitorsCoverage receives a 2021 Gold Globee Award for Company Innovation of the Year and Bronze…


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.