Eligibility for different travel insurance policies can vary. Most people traveling from the US can buy a policy online with guaranteed acceptance, no medical exam, no waiting; just print it out and go.

Foreign citizens may experience more limitations on policies that will cover them in the US, but usually there is some level of coverage they can get.

The insurance companies can issue insurance coverage easily because of their underwriting policies. They tend to issue policies based on some basic information, and depend on sound underwriting to cover their costs. If a claim is submitted, they will investigate to confirm that the condition was not pre-existing. They can obtain medical records and other information to confirm or deny pre-existing conditions.

Read our Travel Insurance 101: The Complete Guide to Travel Insurance

How to buy travel insurance

1. Use a travel insurance comparison site- The best way to buy travel insurance is to use a travel insurance comparison site. Compare quotes and plas side-by-side, and buy instantly online.
2. Check reviews and buy direct- If you want a quote from a specific travel insurance company, visit our reviews pages. You will see links to purchase insurance directly from the company.