we are really confused,we have always tacken out annual insurance,declaring o/h existing medical condition,our policy is due for renwal soon so i rang the company and explained that this year we want a cover for 36 days {the annual only covered up to 30 days}.the guy asked about the medical condition of o/h and he told me we didn,t have to declare it becauce it happened more than 3 yrs ago,o/h takes medication every day for this condiotion so surely it has to be declared.anyhow the quote is double what it was for an annual policy??????? so my question is does anyone know of any decent companys out there who cover pre-existing conditions,as i,m not really convinced by the guy from our current company.