I have been having a scout around on the net. Premiums seem to vary widely - Staysure seem to cover joint replacements under their many free conditions but Saga and some others want full details and the trouble is you have to get the quote first thereby having to give details and phone numbers, before they ask for the medical conditions. Consequently next morning they are on the phone which drives me mad when I am just casting about. So I reckon I will have to talk over the phone to ensure I get full cover and cough up a hefty premium no doubt. They seem to think over 70's are riddled with illness which is not always the case

Lisiann