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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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Information provided here in the form of Questions and Answers is for general purpose only and may not be current and accurate at all times. Insurance terms and conditions, benefits, and coverage are subject to change at any time. For this reason, it is possible that the information given here could be outdated or incorrect. VisitorsCoverage inc. assumes no responsibility or liability for the accuracy of these answers. Any use of the information on our website is subject to our Terms and Conditions and User Agreement. It is recommend that you review the latest Evidence of Coverage and Plan Contract (Policy) for a detailed description of coverage benefits, limitations, and exclusions. Please read the Policy Brochure and Plan Details for complete and accurate information. Only the Terms and Conditions of Coverage listed in a particular policy are binding.