What is pre-certification?
Pre-certification is the process of obtaining prior authorization from the travel insurance company for major medical services like planned surgery, hospitalization, or other complicated expensive procedures. It is not necessary to get pre-certified for less complicated medical services like general doctor consultations.
For a more detailed explanation: Pre-Certification: What, When, and Why?
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else