Travellers' Insurance Company v. McConkey was a case heard by the United States Supreme Court in which the Court held that a contract of insurance was not voidable due to the insured's failure to disclose a pre-existing medical condition. The case involved a contract of insurance between Travellers' Insurance Company and McConkey, in which McConkey failed to disclose a pre-existing medical condition. The insurance company argued that the contract was voidable due to McConkey's failure to disclose the condition. The Court held that the contract was not voidable, as the insurance company had not been prejudiced by the failure to disclose the condition. The Court reasoned that the insurance company had not been misled by the failure to disclose, and that the insurance company had not been deprived of the opportunity to investigate the condition. The Court also held that the insurance company had not been deprived of the opportunity to adjust the premium rate based on the condition. The Court concluded that the contract was not voidable due to the insured's failure to disclose the pre-existing condition.

In Travellers' Insurance Company v. McConkey, the Supreme Court was asked to decide whether a policy of insurance issued by the appellant company covered an injury sustained by the respondent while working on a vessel owned and operated by another party. The majority opinion held that since there was no direct contractual relationship between the insurer and insured, coverage did not exist under this particular policy. Justice Field dissented from this decision, arguing that it should be assumed in such cases that when an employer takes out insurance for its employees’ benefit, any employee injured during their work is entitled to recover damages from said insurer regardless of whether or not they had a direct contract with them. He argued further that if employers were allowed to take out policies without naming specific individuals as beneficiaries then those same people would have no way of knowing who their insurers are or how much coverage they may be entitled to receive in case of injury; thus making it impossible for them to protect themselves against potential losses due to accidents at work.