Pre-existing medical issues for travel insurance - how can anyone answer the questions?

agent69

I'm trying to get travel insurance before booking a 4 week holiday to somewhere exotic around February next year. I have some pre-existing medical conditions so tried getting a quote from some of the companies that advertise on TV. They all use the same algorithm to ask question, but the person you speak to has no medical training so if the question isn't clear how do you work out what the answer should be. For example:

1. I was asked if I had a raised cholesterol level. When I asked if this was bad cholesterol (LDL) or total cholesterol they couldn't say. When I asked what I should compare the level to in order to see if it was raised they couldn't say. I advised them what my LDL and total cholesterol levels were, and pointed out that they were both below the cut off levels quoted on the NHS website. So I asked her how I should answer the question and she said she couldn't say.
2. I was asked if I had any undiagnosed medical conditions, and I asked what constituted a medical condition, and what constituted a diagnosis. As an example I asked what would happen if I went to the doctor with a pain in my leg and the doctor said he didn't know what was causing it, but it was nothing to worry about. Was the pain in my leg a medical condition, and if the doctor didn't know what was causing it does that make it undiagnosed (or would saying it was nothing to worry about count as a diagnosis).
3. 
   

I've had dealings with travel insurance before and they can be a slippery lot. However, how can you accurately answer the questions when even their representative can't tell you what they mean?

twopenny

Agent it's worse than that.
My doctor said my cholesterol was a little bit up and I asked if that was the good or bad cholesterol.
"Oh the test doesn't show that" was the answer.

sheramber

From Staysure information

Are any travellers experiencing any undiagnosed symptoms?

• This is when a medical condition hasn’t been diagnosed by a doctor. E.g. unexplained pain

According to that your pain is an undiagnosed condition.

If your doctor does not know the cause how can he say it is nothing to worry about?