This is a personal opinion on Travel Insurance and I wonder how other people handle this tricky subject.
I have H F ( diagnosed ) and I have had an M I in the past, I have also had by pass surgery.
My bank offer ( free ) Travel Insurance I phoned the Insurer who advised me I would not be covered for anything Heart Related on the policy, but I would be covered for any other issues. Lost Luggage, Theft etc so I don't bother now to take out any special Insurance for my Heart Condition ( Europe Only )
I take my medication as directed so work on the basis that I have as much Insurance for my heart condition as possible !!! So what's the worst that can happen, possibly have a Heart Attack E111 will cover that, Repatriation same as if it I was here. I have a friend who had an MI he was in Hospital for a week and then Flown home to Shetland. So its looks like flying is not an issue ( I wouldn't tell Ryanair or Easy Jet ) what prompted these thoughts was my son just asked was we going away this year.
So yes Ferry to France then casual drive through France down to the Costa del Sol and should I be unlucky enough to get ill My wife will drive us back, or should I pass away my best friend will hire a Transit and throw me in the back.
Insurance is a game albeit it can be a risky one, but when The Cardiologist says " by all means go on holiday " I think I will not bother with special Heart insurance again this year.
Very Personal Opinion but interested in others views.