Isn’t standard travel insurance good enough?
Many non-specialist travel insurance providers are reluctant to give cover to anyone with pre-existing medical conditions – that is, anything that’s been diagnosed before you apply for insurance, such as having had a heart attack. It’s because people with pre-existing conditions are considered more likely to make a claim.
Providers always ask that you specify any health conditions before taking out a travel policy. If you do make a claim relating to a pre-existing health condition you didn’t mention, you won’t be able to claim and your policy may be invalid.
The NHS also recommends declaring all past and present health conditions to make sure you get the specific travel insurance for your needs.