Dinahmo
I can understand why insurance companies won't insure some people that have pre-existing conditions but what I can't understand is why they don't exclude that part of the policy relating to illness. Surely they could create a policy where the types of cover that you need can be selected, such as cancellation, luggage and delays.
Lucca I'm very pleased that you have found a policy and hope that you have a lovely holiday.
Yes, they do, Dinahmo. Our bank offered insurance cover like that but, if you have a pre-existing condition, the company could argue that any sudden illness needing treatment on holiday was due to the pre-existing condition.