Think I might have mentioned this in a previous post last year but for anyone looking at travelling I've found an Aus/NZ travel insurance company that doesn't charge any extra for D cover. They are Columbus Direct (www.columbusdirect.com.au
). You have to apply over the phone but D is on their list of pre-existing conditions they will cover and you don't even have to get endo to fill out a form as long as you haven't been hospitalised in the past 12 months. Their prices seem to be cheaper too.
I just bought a multi-trip policy, they do have an excess and payouts might not be quite as much as other companies but will be enough to cover any emergencies (eg. $12.5m medical cover).
Half the people you know are below average.