I just got confirmation as to pre existing medical conditions.
Someone on the forum told me if you don't inform travel insurances about your pre existing even if you don't want cover for it and you choose not to inform them this invalidates your travel insurance.
With TOURSAFE this is incorrect.
If you don't want cover with your pre existing conditions eg: if you feel it is either under control or don't need it, and you don't tell them this does not invalidate your insurance they will still cover you for everything except the pre existing condition. So it is your decision if you want pre existing cover or not, please don't think i am saying it is not needed it really depends on your individual pre existing. I hope this makes sense.
I just wanted to share this information i found out.
Oh and you can have a glass of wine with your meal ;-) unlike Mondial emergency assistance that informed me even with 1 glass of wine you are "Affected by alcohol" a clause in their insurance. Anyone who wants to discuss this further feel free to email me ;-)
I think at the end of the day it is your choice but read all the fine print.