In the past several days we’ve all heard about the crisis going on with AIG and their recent attempts to raise capital to forestall a decrease in their credit ratings. We have heard that bankruptcy is one option that AIG’s management might have no recourse but to use. That raises the question of: [...]

No - it applies to all Immediate Family Members, travel companions and their Immediate Family Members- whether they are traveling or not. This is an important detail to pay attention to because most travelers think that the pre-existing condition exclusion only applies to them - the ones going on the trip. If you are concerned [...]