Just been doing the travel insurance bit for our May 2010 trip talk about chalk and cheese . Wife has preexsist medical after doing all the assesments ect we were denied cover by three insurers even though their rates for pre exixting added a minium of $150aud to the base rate . Did alot of followup on this and decided to go with normal cover a bit of a letdown as we were able to get cover for our sons pre existing last year ( he has a disability spina bifida ) . As there has been some carriers ( Indojet ) go belly up I also looked carefully at the polocies from insurance providers to see if they cover a carrier becoming insolvent not many do the one we decided to go with was Covermore at $140aud this seemed to be the best rate and having used them before are more than happy with their policy and service . Useless information maybe but its worthwhile checking with the travel insurance providers PDS before buying .