Holiday insurance grrrrh!!

I feel your pain. Even if you've got cover for travelling in the EU you have to get separate and more expensive cover for the US and the Carribean. The more you tell them the higher it goes even if the complaint is a minor one. Problem is, the person on the end of the phone has no medical knowledge and is reading from a list, so no flexibility. It's a catch 22.

insurance companies= barstoots

Take a risk and don't get any insurance, you'll need that sort of gambling spirit for Vegas anyway!

Have a check on moneysavingexpert site, they have specialist co.'s listed for age & medical conditions. May help, apologies if you've already tried. GL.

(Not that I ever would of course) but if I was ever on Room 101 the 1st thing that would go in would be insurance

Goodtogo recommended by Which seems to be the best in terms of cover and cost for medical conditions.

^^^Sorry that info is a 3 years old and may not be correct now 

When I was on a cruise a few years ago now, one of the passengers on the boat had suffered a heart attack a year or so before, plus he had other conditions and had had a heart bypass operation plus a few other things done to him in the past. He told us, the 2 week cruise cost him £2500 for the 12 days plus ANOTHER £2500 grand on top of that for his holiday insurance premium!

A couple years ago I tweaked my back and went to the doctor about it, it went away anyway, I think I had one physio session.

Was getting travel insurance and a question was something like had I spoken to a doctor about anything in the last X years, thought I'd better say yes to avoid giving them a loophole, had to go through that online phone hoop jumping checklist, what a pain in the a**. I think they even passed me from the checklist person to an expert checklist person. But you don't want to bet caught out without any, the costs can be extortionate, and we all know sods law.

It's one reason I'd fear these DNA/probability of disease things. You can just imagine what'll happen if you take one of them and they start asking.

Find a company that excludes pre existing conditions.

It is a lot cheaper.

I'm sure it's different being Tenerife but my high blood pressure plus diabetes costs about £30

just another form of gambling

Cautionary tale.

Friend of mine rang me last year for advice re: medical insurance. He hadn't been abroad for ten yrs so didn't know the score. Told him to declare everything especially for his wife who had multiple ailments. Anyway, when he got back from Cyprus he rang to thank me for the advice. His mrs took ill on the second day and ended up in intensive care. Had to be flown home by air ambulance which cost £20k plus the hospital costs in Cyprus. His wife survived but they won't be going abroad again.

I think there are some bank accounts that offer travel insurance as part of the account.

That's true IS but as soon as there are medical issues they pass it over to a specialist section.