Thanks for that link Julie - have had my say.
Dominic - not only is it hard, but it is very expensive. You may have links with an insurance company, but that does not mean they will cover us, or me in particular. Or even that it will be reasonable in cost terms. I have tried almost all the insurance companies around and one even refused to quote me for an annual policy - did ask what they knew that I didn't!
I think that if you are not on oxygen, then it may be slightly easier and/or cheaper, but I have had COPD for around 15 years (could be longer) and am on LTOT, so they are horrified when I ask for insurance despite the fact that I have never, ever been hospitalised anywhere because of it! I manage my condition well and just get so fed up and frustrated when these eejits want to discriminate heavily against me. It is discrimination of the worst kind.
Thank you for the chance to rant on here and to the tourism for all people.