Yes, travel insurance is intended to cover new and unexpected injuries and illness. As long as the visit isn't because of a pre-existing condition, E.R and urgent care visits are covered. Keep in mind, an acute onset of a pre-existing condition is covered only by certain plans. We recommend the following plan if acute onset of pre-existing conditions is a concern for you: Cover America - Gold plan, which provides coverage for acute onset of pre-existing conditions. For age 69 and under, the plan covers acute onset up to the coverage limit, and up to $30,000 for people age 70-79.
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