Complimentary credit card travel insurances - Any adequate ones?

[TheRealTMA]

We recently bought our airfares Brisbane -London and return using our Westpac Credit card. Yah!
And their travel insurance looks good - so far.
So this thread has been a great help. Thank you.
But I do have a question about Preexisting medical conditions.
I have recently been told I have Atrial fibrillation and am starting on blood thinners.
If , say, Westpac/Alliance don't accept the PEMC, my reading is that I am not covered for that condition. But there is coverage for other events.
Am I reading that right?
Thanks for any advice
Cheers

An interesting question is more yes you are not covered for AF but if the AF is the cause of some other condition, maybe a fall etc, than that is also not covered, depending on the medical report. Call them and discuss to be safe and sure. Most likely they will just want an extra to cover it, maybe not. But you will be covered by other eventualities.