Every policy.
Every claim.
Every detail.

Preexisting condition coverage depends on purchasing within a specific window after your initial trip deposit. That window varies from 10 days to 21 days depending on the carrier. Miss it and your condition is excluded.

Medical emergency coverage limits range from $10,000 to $500,000 across the carriers we index. Low-limit policies are dangerous for international travel. We document primary limits, secondary coverage conditions and payment approach.

Evacuation coverage limits, whether evacuation is to the nearest adequate facility or home country, whether a medical professional must accompany and what constitutes approval for evacuation under each policy.

Whether the policy covers damage, loss or delay of CPAP machines, portable oxygen concentrators and power wheelchairs. Coverage limits per item, whether a prescription is required for the claim and how to document equipment before departure.

CFAR upgrades are available on a minority of policies and must be purchased close to the initial deposit. We document which carriers offer it, the cost markup, the percentage of non-refundable costs reimbursed and the deadline for purchase.

Coverage questions specific to plus size travelers including bariatric procedure exclusions, weight-related condition classification and whether mobility aid damage is covered as medical equipment or baggage.