Yes, it is true. The thick fur insulates the body of the polar bear against the extreme cold of its arctic environment but polar bears actually have transparent, hollow hairs called guard hairs. These clear-colored, air-filled guard hairs help transmit heat from the sunlight to their black skin as a solar heat collector. Their guard hairs are waterproof, so they also help keep the polar bear warmer when it is in water.
Reflection of the sunlight from the transparent hairs makes polar bears appear white, in the same way as reflection of the sunlight makes snow and ice look white. The dense fur completely hides the black skin underneath, which absorbs the heat energy from sunlight plenty of light still passes through the transparent hairs.
The black skin is hidden from view and it is also prevented from emitting any heat energy back out from the polar bear's body. If you tried to photograph a polar bear with a thermal imaging camera, all you would see is the stream of breath coming out of its mouth. It is so well insulated, it just doesn't show up.
Reflection of the sunlight from the transparent hairs makes polar bears appear white, in the same way as reflection of the sunlight makes snow and ice look white. The dense fur completely hides the black skin underneath, which absorbs the heat energy from sunlight plenty of light still passes through the transparent hairs.
The black skin is hidden from view and it is also prevented from emitting any heat energy back out from the polar bear's body. If you tried to photograph a polar bear with a thermal imaging camera, all you would see is the stream of breath coming out of its mouth. It is so well insulated, it just doesn't show up.