This article describes what a traveler needs to know about the preexisting-condition clause when deciding whether or not to purchase a policy that covers only overseas medical expenses and emergency-medical evacuation.

The short answer is 'Probably not.' A discussion of the possibilities of having a medical emergency on your trip abroad. Statistics that Wayne developed indicate that only on approximately one trip in 1,000 trips will an overseas traveler have any kind of medical emergency that requires an outpatient visit to a hospital or other medical clinic, etc., that is, a medical problem that needs more than first-aid type of treatment. (This article claims that a disadvantage of a zero-trip-cost policy is the lack of a waiver of the preexisting-condition clause. Subsequent research indicated that three travel insurance policies will waive the preexisting-condition clause [see July 2012, pg 58].)

Answers the question “Am I likely to get a refund of a travel insurance premium if I cannot take the trip?” — The short answer is 'Probably not.' A discussion of this issue and some situations in which you might get a refund of the premium from a travel insurance company.