I think you should ask your doctor for a fasting test, and/or a full blood test to see if you have now indeed gone past pre-diabetes.
If your getting high readings more then just on occasion then ignoring it will not help you at all!
It's good you have a meter though and you should be testing to see how certain amounts and types of carbs affect you and reduce or cut these out to keep your blood glucose at a reasonable level.
Travel insurance doesn't go up that much, well it didnt for me and i'm type 1 on insulin so i'd say the risk for me is i can go hypo and cost them lots of money to fix :lol:
I once tested my BG after eating some birthday cake two hours later to make sure i'd gotten my insulin right, also tested my mum, i was around 6 and she was in the late nines!
It's not uncommon to have a big spike after very sugary things, aslong as your not running constantly in the 11's then you may still be pre-diabetic.
Do you have hba1c's done?