Travel Insurance and new condition.

Try Insurancewith [ not to confuse with Insurewith]. They work with lung cancer charities and are especially emphatic to cancer , but good reports of other medical covers.
The founder is a ladyb ' living with cancer' and set up company with an awareness of how difficult it is to get cover with pre existing diagnosis .

I don't have annual insurance as I used to be covered by my paid bank account, but had to cancel that as my car became too old for the breakdown insurance. I was 69 at the time and I knew they only covered for travel until 70. Anyway when I took out a policy for an individual trip, one of the questions asked was whether I was on a waiting list for anything. I assumed that was because it might cause me to cancel if an appointment came up. I thought I was on a waiting list for something very minor, and would not have cancelled my trip for it if an appointment came up, so I said no! It seems I may have lied, but meanwhile when I enquired why I hadn't heard anything further about treatment for my minor complaint, about a year on, they have no record of it. My NHS app tells me I'm not on any waiting list! Now I know that being on a waiting list may negate my cover in future I wonder if it is worth enquiring about treatment again as I've put up with the condition for a few years, first waiting 'til I retired to deal with it, then retiring during the pandemic... Seems we can't win!

I was waiting for a hip operation and my insurance bumped up my premium by £100, I was taken off the list due to arthritis medication making me immunosuppressed. I rang the insurance company and they reduced the premium by £100. Crazy really as I was then just as likely to have a fall with my dodgy hip.
They asked if my health had any additional changes and I said I had a basal cell carcinoma on my nose which would be operated on later that year but caused no problem as it was slow growing and only showed as a tiny spot on my nose and they upped the premium by £100. I changed to another insurance company and they covered me with no extra charge. It pays to look around and be honest as they will ask for your medical records if the claim is pricey.

I am insured with AllClear ...annual world wide cover, EVERY time I have a procedure or a check up I inform them. My cover worldwide was never cheap (I have five pages of medical conditions !) cost me just under £2,000 as I travel to the U S , Canada, Mexico, Panama, the Antarctic, Alaska, Norway etc etc etc ...plus going around Europe, France and Menorca (where I used to live), lots of other European countries ........they have an extremely comprehensive list of requirements ....I said last time if I die abroad, just throw me overboard (often go on cruises solo) ...they said they cant do that (probably pollute the ocean ! ) ......Now that I am approaching 77 in a couple of weeks, going further afield until my Ins runs out in February, I am having to think about renewing it, and how much extra it is going to be ! I do know if I cut out the U S it would be cheaper ....did ask Stay Sure for a quote, but they say they cannot quote until 30 days before my current insurance runs out !!!! ...seems a bit odd ! but make sure you identify EVERY problem as whoever you insure with will, if they can, find a reason NOT to pay (my husband was an Insurance broker with Lloyds of London ....actually used to laugh and boast about how many claims were not met ....a lady on here said once her husband DIED just before they were going on a cruise ...after many months, medical letters, etc the company REFUSED to pay for the cancelled cruise and made some ridiculous stated reason as ;he had toothache aged 10 !) (not exactly what was said, but she said it was like that !!! the Ombudsman did manage to get a small payment from them ....but paying insurance you shouldn't have to do that !

My granddaughter has a long term life limiting diagnosis and we have always found that its better to actually telephone the Insurance Company and talk to someone as they seem to know what to do to try and help you. Having said that the little minx still goes to Europe without on occasion.

Another friend of mine who was a very frequent traveller had an ongoing investigation into a neurological issue (she swears its a result of the Covid vaccine) but could not get any insurance at all until one of her consultants gave her a short term diagnosis just so that she could go on holiday. They still don't know the true diagnosis because its so similar to many other conditions.

Having checked my last travel insurance which I thought was with Staysure, it's actually with AllClear and I have had my quote for insurance for my trip to Rome which seems quite reasonable.