On the subject of travel insurance, last year we had an epic holiday to 15 different Caribbean islands (all different countries) plus Colombia, Mexico, Panama, Belize, Bermuda and multiple destinations across 2 US states. The trip was over 2 months long. We heard all sorts of horror stories of people having to pay thousands for insurance and in the end, based on a recommendation, I got really good travel insurance through Nationwide for around £500.
We weren’t Nationwide customers at the time, and to get the cover you had to have an account that had a £15 monthly fee (now £18) but, before committing, I called their insurers to ask about my wife’s medical condition and disability and my (less serious) conditions. They confirmed that they would cover these pre existing conditions for an additional £200. With that knowledge I then opened the account. It’s covered a few other holidays since but we are unlikely to need the cover from now on so I can simply cancel the account. Might be worth a look.