| Health insurance companies protect themselves by | | | | related problems. This ensures that the provider is not |
| excluding certain items from coverage. This is a | | | | paying for the costs of an ongoing illness which should |
| means of insulating the company from false or | | | | be covered under a comprehensive health insurance |
| exaggerated claims. Visitors insurance makes the | | | | policy. |
| same reservations and there are exclusions in every | | | | Visitors who travel to other nations specifically to seek |
| plan. | | | | treatment for an existing disorder are not covered. |
| Pre-existing conditions, and the expenses they incur, | | | | The visitors medical insurance provider does not, |
| are generally excluded from coverage provided by | | | | understandably, want to end up paying for a surgery |
| any visitor insurance provider. For example, if an | | | | that was planned from the start to take place in a |
| insured person has a history of seizures, the policy will | | | | foreign nation. Visitors insurance is also unavailable to |
| exclude expenses that arise from the treatment of | | | | those who travel against the advice of their doctors. |