Travel insurance pre existing medical conditions

Hello,

Looking for a new annual policy but I’m stuck...

I’m off skiing at the weekend so need winter cover.

Unfortunately I suffer with cervical spondylosis, awaiting further treatment. I also have bipolar and a history of depression which I take medication for.

I can’t get insured with my previous medical conditions.

I acknowledge that I won’t get insured for previous conditions.

I need recommendations for companies that don’t request your whole life medical history if I was to pursue a claim for a broken leg just say, which has nothing to do with my medical history....

I need a policy that will cover me in an emergency and lost property like hired skis.

I have read horror stories from Coverwise and their refusal to pay based on someone’s medical history 6 years ago which was unrelated...

Thanks for your time.

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