I get that these details matter, but does anyone actually compare exclusions or hospital networks before buying? With so much aggressive marketing, shouldn’t regulators force insurers to make the 'fine print' clearer upfront? It seems as though we're being lured in by grand promises while the essential limitations are kept in the shadows.

Suggest some reliable travel insurance options for my parents with pre-existing conditions traveling to the USA, and are there any experiences of successful claim payouts?