Do I need to get a physical exam or disclose anything from my medical records to purchase a plan?

No! Our plans are issued online and all you need to provide us with is the age of you/the traveler, the destination, and the duration of the trip. Then you'll be provided with a selection of policies that meet your travel needs. Simply select a plan and your policy starts after payment and subsequent approval. For certain Long Term Coverage plans, questions about your medical history may be required. This is largely due to their extension of coverage to include the Acute Onset of Pre-Existing Conditions. It's imperative that if you have a pre-existing condition, you disclose it in the appropriate field during the purchasing of the policy. This way, you are sure to be covered should you have an incident that requires treatment for that condition. Failure to do so may result in the nullification of a policy.