Best Travel Insurance Product - pre-exisiting condition?
 

A couple months ago I had surgery for an injury. There is some chance I will need a second surgery in the next 6-12 months related to the same problem. The timing of this surgery isn't 100% known. My wife and I were planning on going on a trip abroad this summer. Is there a recommended travel insurance product that would cover me if we booked a trip and I could not go due to needing this second surgery? Would I be excluded due to a pre-exisitng condition clause or would the second surgery be considered a new condition? Should I buy a plan that doesn't exclude pre-exisitng conditions or allows "cancel for any reason"? If so is there a recommended product?