expenses of specialist medical attention you may need because of taking ill while abroad. For example, if you needed oxygen while traveling on an airplane. If you have problems getting adequate cover, there are specialist insurance companies who provide policies designed for people with serious illness, terminal illness or disability. The policies on offer are many and varied and some are more exclusive than others. It is best to start by making make informal inquiries about your travel insurance. Some insurance companies may ask if you have been turned down for insurance by someone else already. If you have only made informal enquiries, you won't prejudice any future applications you make. As a condition of covering you, some insurance companies insist that you must also get their travel insurance for everyone who is travelling with you. What you need to tell insurance companies All travel insurance policies require you to disclose fully any information about existing or pre-existing conditions. Even if you have had cancer in the distant past, you still need to tell the insurance company about it. If you don't provide all the facts, the insurance company can rightly claim it was misinformed and may not pay out if you make a claim. If you have a terminal illness or have not been passed fit for travel, then regular high street travel insurance firms will not cover you. Your fitness to travel As we've said, you need to get written confirmation of fitness from your doctor. This is