We have been using Travel Insurance Direct for many years. We have just tried to get our travel insurance for next year and found that they will not cover existing medical conditions. This year we filled out medical declarations paid $40 and had full cover. I have asthma and my husband had a heart attack a few years ago. Although these things have never been an issue we don't feel comfortable travelling without cover. I have just looked at 1Cover who it seems will cover us but would be interested to know if anyone has used them and were you happy. Thanks.