HMS Insurance
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HMS Insurance offers travel protection focused on non-medical coverage like missed flights and baggage issues. Their standout feature is willingness to cover travelers with pre-existing medical conditions, making them accessible to those who get declined or face surcharges elsewhere.
If you have a chronic health issue and want to protect your trip investment against travel disruptions, HMS' pre-existing condition acceptance removes a major barrier. This works best paired with a separate medical policy, letting you handle medical and travel logistics independently.