Same story with travel insurance.
Three choices:
1) tell the truth about one’s health conditions and get refused cover or receive an eye watering quote.
2) lie about one’s various health conditions then be guilt ridden for the duration of your holiday.
3) have your holiday in the UK.
One time many years ago i went with option 2 for a long weekend break in Prague but the guilt trip ruined that experience. Nowadays its either UK holidays or a bank loan to pay for travel insurance.