If you're a U.S. traveler with an ostomy planning a trip to Scotland or Europe, finding the right travel insurance can be a bit tricky, especially when it comes to covering pre-existing conditions like an ostomy. Here are some helpful tips and insights to guide you:

1. As a U.S. resident, you won't be able to use U.K.-resident-only policies like CedarTree, which has been recommended by others but is not applicable for U.S. travelers.

2. Many well-known insurance companies do not cover pre-existing conditions, and those that do often charge nearly double the price. However, there are some options to consider:
- GeoBlue, which is BlueCross Blue Shield’s international brand.
- Allianz Travel Insurance.

3. A common strategy is to purchase your travel insurance soon after booking your trip. Many insurers offer a waiver for the pre-existing condition exclusion if you buy the policy within a specific "early-purchase" window.

4. While plans that cover pre-existing conditions can be more expensive, many travelers feel that the peace of mind is worth the extra cost.

5. One seasoned traveler suggests steering clear of "cheap" policies. Instead, opt for a reputable company and consider paying extra for a rider that ensures medical evacuation to the U.S. state of your choice, whether it's an emergency or not.

6. Several travelers have successfully obtained policies that cover pre-existing conditions, including ostomies, for international cruises and flights. However, it's worth noting that none have had to file a claim related to their ostomy yet.