There are always bad reviews to read (some of them are quite scary) about insurance companies. Some people may read these and feel there is no point to getting health insurance for a trip. I hope you do not fall into this category; the fact you are reading our website suggests you are at least interested in making such a purchase. There are many problems with online reviews. There is no way to know if they are real complaints or just trolling. Most reviews I have read either don’t give enough details to determine my opinion on the person’s situation or show that the person who took out the policy did not understand the policy they purchased. Visitor insurance plans are for sudden illness and accident only; that is, they are for unexpected medical situations.
You cannot purchase international travel insurance to cover the birth of your child when you come to the US or some cosmetic surgery you would like to have or, even, very necessary and important dialysis while you are visiting that you may require every two weeks. While it seems obvious visitors insurance will not pay for non-necessary medical surgery, we get many questions about the other two situations. We would like to assure you that all the companies we, at American Visitor Insurance, work with have paid out hundreds of thousands of dollars in claims for their clients, so we feel they are reliable and trustworthy. Furthermore, you do not have to take our word for it, you can also use the AM Best rating for these companies to see how they shape up (this includes financial solvency, not just customer approval). We do have our own contact with these companies and stand ready to help you should the need arise to figure out what do to, how to file a claim, and why a claim was denied.