Another cloud on the horizon. We had been told we were covered by Visa Gold Card for travel insurance. Yippee! More $$$ saved! But then we realised my pre-existing heart condition might not be covered. And after doing a check of the policy, we found it wasn't. So a phone call, an emailed form and the condition is being assessed as I write. One good thing is that both the UK and Italy have reciprocal agreements with Australia so they are not really a concern. However, Singapore hasn't, so there was the need to have the policy extended to include extra cover.