For anyone looking for travel insurance one important thing to look out for is the small print. When I looked this year at whether I could find a lower quote than the one I am with (Norwich Union), I found a couple that were slightly cheaper, but unlike Norwich, they don't cover you for any pre-existing condition. So if you are on holiday and have a diabetic complication requiring medical attention or even worse hospitalisation, you would find you are not covered as your diabetes is a pre-existing condition.
It all depends on whether the insurer accepts the pre-existing condition <u>and</u> covers it, in which case most charge a higher premium, or whether they just don't cover it, in which case you'll get cheaper cover but can't make a claim! The daft thing was that I tried one of the "specialist" insurers for diabetes and they said "of course we can't cover any pre-existing conditions". They didn't seem to understand when I said if I didn't have a pre-existing condition I wouldn't be calling you!!!
In our case I have diabetes and slightly raised blood pressure and my wife has some serious health issues, which I won't go into here, but Norwich are the only insurer we have found who are prepared to fully cover all our conditions with no increase in premium. PS I do work in financial services but have no connections with Norwich, just very impressed by their product and realistic pricing.