Avanti Go

Avanti Go is built specifically to serve travelers who've been turned down by mainstream insurers. Administered by ROCK Insurance Services with over 20 years in the market, Avanti focuses on people with complex medical histories who can't easily buy standard travel insurance through normal channels. They accept clients of any age and explicitly don't impose upper age limits the way many insurers do.

Their specialty is untangling what's actually excludable under pre-existing condition clauses versus what can be covered with proper underwriting. A stroke five years ago, ongoing heart medication, or a recent cancer diagnosis doesn't automatically mean you're uninsurable, it means working with Avanti's underwriters to find what's actually available. They're a genuine specialist in this niche, not a generalist insurer offering a checkbox option for difficult medical histories.