InsureandGo

InsureandGo has been writing travel insurance since the 1990s and built their reputation partly on covering people other insurers decline or exclude. They explicitly advertise coverage for serious pre-existing conditions like cancer, heart disease, Type 1 and Type 2 diabetes, and hypertension. Their willingness to write policies for people with significant medical histories is genuinely unusual in a market where competitors often choose to exclude all pre-existing conditions entirely.

Their policies typically require medical declarations and sometimes a doctor's letter confirming your condition is stable, but they'll review applications carefully rather than auto-rejecting based on diagnosis alone. Long-term travelers with managed health conditions and people doing medical tourism often find InsureandGo's coverage worth the application process, especially if you're older or have complex health needs that younger, lower-cost competitors won't touch.