You have a point Decho - and yes, I agree that the insurance company can wheedle out of it, as you say, but this is precisely what they do in all sorts of claims! Having said that, and bearing mind in my own case (and my wife who also has a number of medical problems) we're prepared to take the risk, on a short European holiday. Just as an aside, I'm often surprised about people I know in my age group (mid-Seventies) who think nothing of flying off to all sorts of places and I do know they have existing medical conditions which would be extremely costly to insure. However, I can well understand the OP's worry and would want reassurance which is perfectly reasonable, particularly in view of his planned trip to Turkey. Cheers, Julian