My wife and I had rented an apartment in Venice for a trip in March 2000. We canceled; the apartment rental company held our payments toward a future stay. We have just purchased airfare for a March 2022 re-do and would like to purchase medical/evacuation insurance. We are not terribly concerned about trip interruption coverage, etc. because we are going on our own and not with a tour group. Also, we are willing to take a gamble on the airfare.
Here's the problem: We have spoken with a travel agent and then a travel insurance company rep. The company is one of the five RS mentions in his books. Because we made our first payments toward the apartment ages ago, there is no way for us to qualify for a Preexisting Conditions Waiver. Our medical insurance policies do not cover travel beyond US borders, and we are concerned about possible medical what-ifs.
We both have what will be considered preexisting conditions. We both take prescription medications routinely. Would medical and evacuation insurance still cover at least some medical emergencies? We don't want to take huge risks with potential medical bills, nor do we want to throw money away for poor or useless medical coverage/security.
Your thoughts and advice will be greatly appreciated! If you have suggestions for types of plans, suggestions for companies to look into would also be helpful.
Thanks in advance.