I thought that I had found the answer to my prayers when I saw stuwer's heading, but then I read on ...........
From the Motability Travel Insurance website .........
Q – I have a medical condition, can I be covered?
A- Before you buy a policy, we ask you to confirm that: 1 - No person to be insured is waiting for medical investigation, referral, treatment or results. 2 - I accept that the Policy applied for will not cover any Person Insured for existing medical conditions other than allowed conditions and that if any Person Insured needs cover for any other condition that is not an allowed conditions they must contact the ACE Medical Referral Line. 3) – I understand that if I am buying an annual Multi Trip Policy, that I must be able to confirm the above statements before booking any journey to be insured under the Policy, and that if there is a change in any medical condition already declared by a Person Insured they must contact the ACE Medical Referral Line.
If a Person Insured needs cover for medical conditions not on the allowed conditions list, they can contact the ACE Medical Referral Line FREE on 0800 519 9876. The line is open Mon to Fri (9am - 7pm), Sat (9am - 4pm).
A medical top up can be purchased immediately after the base policy or within 14 days. Alternatively if you know the base policy you’d like, you can call the ACE Medical Referral Line to get a quote and buy your top-up first. You then have 14 days to buy the base policy.
Both policies must be purchased before your departure date.
When you buy a medical top-up there will be additional costs made up of a screening fee of £11.63 and extra premium based on the Person Insured’s medical conditions.
If a condition is not covered, we will not pay for any costs directly or indirectly related to that condition. For example, if a Person Insured had an existing lung problem and got a chest infection on holiday, they might be more ill, and take longer to get better, than someone without an existing lung problem. If this happened, the most Motability Travel Insurance would pay would be for the reasonable costs of treatment that someone without a lung condition might have to pay."
So you see........... it always pays to read things carefully
I'm going to give the ACE Medical Referral Line a call today and will let you all know the outcome, but I bet it's not that good ........... *sighs*