@Ruth ******
Pacific Cross insisted I had pre-existing conditions because I had Non Hodgkin's Disease 38 years ago. Been fine ever since and never had any other health issues.
Last year they said my COPD is due to me smoking in the past but that's why my premiums are higher then non smokers. Still, they refused to pay the whole costs.
They also insisted my cancer on the back of my throat last was due to smoking what was absolute crap as the diagnosis said clealy "Due to HPV" but try arguing with insurance. Even the Insurance Ombudsman has no say really. They recommend a course of action but then, it's still down to the insurance company if they want to comply or not. .....