What travel insurance actually covers chronic pain and flares?

You need coverage for flare-triggered cancellation and acute care. That only works if you declare everything.

• Buy specialist pre-existing cover early.
• Declare diagnoses and meds (even ones you think are “minor”).
• Confirm it covers acute exacerbations of your condition.
• Check activity exclusions.

• Cheapest policy without medical screening.
• Vague wording around pre-existing conditions.

• Pre-Trip Ramp-Up: Insurance is part of pacing, not admin.

Does standard insurance cover me? Sometimes for mild conditions, often not for flares.

If I don’t disclose? Claims can be denied.

Is it always expensive? Not always — compare specialist providers.

• Travel insurers commonly exclude pre-existing conditions without explicit waiver terms.
• Evacuation limits are a key safety feature for travelers with complex flares.
• Micro-anchor (migraine): If status migrainosus has ever landed you in ED, prioritize high medical caps.
• Micro-anchor (OA/back pain): If mobility crises happen, you want coverage for transport and inpatient pain control.