Yes and no, mostly no. Many travel insurance policies state they cover pre-existing conditions but if you read the fine print it is for “acute onset” of a pre-existing condition. This means that if you have a sudden and unexpected condition developed on your trip due to an existing condition, they will some benefits as listed in the policy if treated immediately. If however, you have a condition that is degenerative, or had symptoms leading up to coverage starting, you most likely will not have any cover

Chances are yes, we can. We are brokers for many of the top travel carriers and have a wide variety of policies available.

Yes, we have a carriers that will cover the corona-virus as long as you show no symptoms of the virus before starting coverage.

Yes, a few of our carriers allow you to start a policy once your already abroad, as long as you maintain your residency back in your home country.

Yes, we do have carriers that will cover you while visiting your home country as long as you have a legal residency in a foreign country. This includes US citizens.

Most travel claims are paid on a reimbursement process, unless they are very large. You will work closely with our team to find out the claims process and documents required for claims. For more serious emergencies insurers work to set up direct pay arrangements with the hospital, with many sending something called a Guarantee of Payment. Generally speaking, the larger and more established an insurer is, the more expansive their global direct pay networks are.