Travel insurance

[Homebrewer]

I personally don't worry about trip cancellation insurance because of the relatively small loss severity. Insurance is something I buy when the potential loss is severe. That includes serious illness or injury when away from home. However, you need to be VERY careful to answer all application questions truthfully and to fully disclose all material facts. Failing that, the contract is void and you'll be stuck with a potentially large bill.

Be very very very careful in the application process. Even a change in the amount of medication will often create an "unstable pre-existing condition" that will exclude coverage for the condition being treated.

I've never had to answer any medical questions when buying trip insurance (which includes medical coverage and emergency evac etc.)

[Craig123]

I've never had to answer any medical questions when buying trip insurance (which includes medical coverage and emergency evac etc.)

Check the policy wording related to pre-existing conditions. Although the company may not have asked any questions related to pre-existing conditions, there are almost certainly exclusions and or limitations relating to them. Make sure you clearly understand the exclusions and limitations of the policy. At least you'll know where you stand before a large loss occurs.