Unfortunately, travel medical insurance policies do not cover anything that has already happened. Anything that has happened before the policy start date would be considered a pre-existing condition. Pre-existing conditions are not covered under any type of travel medical insurance due to the short-term nature of the plans. The only thing that is covered in relation to a pre-existing condition is something diagnosed as an acute onset of a pre-existing condition. The definition of an acute onset of a pre-existing condition is a sudden and unexpected recurrence of a pre-existing condition. An acute onset of a pre-existing condition would also have to happen after the policy start date and would be up to the attending physician to diagnose. The main purpose of travel medical insurance policies are to cover anything unexpected and new that may happen after the policy starts; like a new illness, sickness, or injury.
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else