Does this only cover those with acute pre-existing conditions?
No, travel insurance policies primarily provide coverage for any new and unexpected illnesses or injuries that occur after the policy comes into effect. Pre-existing conditions and preventive care are generally not covered due to the short-term nature of these plans. However, some policies do provide some coverage for an acute onset of a pre-existing condition. An acute onset of a pre-existing condition is defined as a sudden and unexpected recurrence of a pre-existing medical condition and can only be diagnosed by a doctor at the time of visit.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else