I know the question is about the PO but just to share our experiences. I have a pre existing condition (not an issue in life but has to be declared) and now get insurance through work which covers everything (pre-existing or not) without actually asking what the condition was, which is great!
But a couple of years ago (before I joined this company) we finally went to Cuba - only 25 years after deciding we had to visit
- and the holiday wasn't cheap but the insurance was horrific!!! Mainly due to the pre-existing condition.
I searched for ages and found a substantially cheaper quote with
https://www.travelinsurance4medical.co.uk/ - I'm talking several hundred quid cheaper for a family multi trip Worldwide including USA & Caribbean. The website name sounds a bit naff but the cover was good and they have a 5* Defaqto rating.
Luckily I never had the chance to see how good they were when needed. But I thought I would reply in case anyone is really worried by the quotes they are getting - it has to be worth trying these guys too.