Holiday Insurance. ( I always feel vulnerable) can anyone advise ?

A question about : Holiday Insurance. ( I always feel vulnerable) can anyone advise ?

I have a bit of an anxiety surrounding travel insurance, since I have become older.
The last time I took out a policy, I used a company that deals with existing conditions, as my husband had been diagnosed with high blood pressure. They wanted to know every occasion that we had visited the doctor in the last 5 yrs. (Goodness knows how you remember that). The small print appeared to say that if you made a claim and you had forgotten to mention a doctors visit for that issue ( or ANY other issue, not related to your claim), it could be void. I even called them to check this and they said yes that is the case.
Luckily we did not have a claim, but this was on my mind the whole of the holiday, worrying about if we got food poisoning or fell and had to claim and I had forgotten to mention a doctors visit for something 5 yrs ago.
Is there something in place to protect us, if we just simply forgot to mention something we visited the doctor for and had long forgotten about, Obviously anything serious I would have remembered to mention.
or am I mis understanding?
Does anyone have any experience of this, or work in this industry?
How do you suggest we make sure we are covered 100% ?

Thank you in anticipation

Best answers:

• Most insurers want to know about each condition you've seen a GP about in the last X years which would include one off acute issues (eg flu or inner ear infection etc) but not each appointment. Each insurer however is free to set its own level of data that it needs just as you are free to try else where if you dont like what these ones are asking.
  If you fail to declare something then there are two questions that have to be answered:
  1) Was it done accidentally?
  2) Would the insurer have offered terms had they known?
  As long as the answer to both of these are yes then the insurer will have to provide cover but are entitled to charge the additional premium that they would have had they known beforehand.
  If the answer to either of these are no then you may have issues, particularly if the claim is connected to the undeclared issue
• Thank you Inside Insurance.
  I certainly would never try to deceive insurances and was only concerned about forgetting something.
  I was really scraping the barrel when I took the last insurance out and mentioned even minor things as I remembered them. This was 2 yrs ago now and we have had more Dr visits and investigations since.
  If next time i went to a different company and forgot to mention one of the minor things I had told the previous company, do they have a shared data base somewhere that they check?
  I really hope this doesn't sound like I am purposely omitting things, I really wouldn't, I just get anxious that I may inadvertently void my policy. I am quite happy to pay more for peace of mind.
• Post Office insurance seems to be the favorite amongst some of the people I know, who have complex conditions.
• There are many insurance databases out there however for this kind of thing they'd simply ask for a report from your GP if there were any queries rather than asking your former insurers what you declared to them.
  Given these ones appear to ask much more detailed information than most they wouldnt get much out of the other insurers anyway.
• Thank you both. I wonder if I am able to get some sort of print out from my GP about visits over the last 5 yrs so I can just quote them. Do you know if this is possible?