Travel insurance is a difficult topic as there are so many variables.
I usually quote the travel insurance cost for the product being booked and then tell guests to compare that quote with what can be found at
www.insuremytrip.com
This is an insurance clearing house that allows you to compare and contrast policies.
I have no financial relationship with this site. I get nothing out of sending guests there. It's just a good tool to have and helps guests make informed decisions.
If a guest has specific questions to what is and isn't covered, I will send a guest directly to the insurance company.
Many times these questions require sharing personal info that a guest might not want to share with a TA.
usually, adding and paying for insurance with 14 days of making a deposit will cover pre-existing conditions and offer additional benefits.
if you have questions about insuring your trip, you are welcome to send an email to me or your agent.
Unfortunately, I can not answer specific travel insurance questions here.