[quote=carlsbadworker]For those recommend travel insurance, have you actually used it before here in US? I am asking because it seems most travel insurance excludes pre-existing conditions or has a very low cap for pre-existing conditions. Wouldn’t that make it pratically useless?[/quote]

Pre-existing conditions are excluded. But you also need to think about those things that aren’t pre-existing too. Yes, it can be expensive. But any trip to the hospital, will be much more.