IATI Seguros
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IATI Seguros started because the founders couldn't find insurance that matched how modern travelers actually move between countries and regions. Based in Barcelona but operating across dozens of countries, IATI sells direct online and partners with local underwriters to understand regional medical networks. They cover medical emergencies, trip cancellations, baggage loss, and evacuation across all continents.
Their pre-existing condition handling is transparent and pragmatic. Rather than burying exclusions in dense legal clauses, IATI discloses what's covered upfront and lets you compare different policy tiers before purchasing. Travelers with stable chronic conditions, ones that don't require recent hospitalizations or frequent medication changes, typically find coverage available, especially if you book insurance within 14 days of your initial trip payment.