A dialogue with fitness companies only makes sense if you know and are aware of what needs to be done. You must know how the process works. If you do you may be one of those people who can walk in and come out with the best possible deal on a policy. There are people whose knowledge is inadequate and such people end up paying far more than they should. So if you have never done this you read up on fitness insurance companies before you go in to talk to them. If you know how this works and are aware of what you want, then you can be a success in buying the right policy.
Companies need your business quite badly. Even the largest of corporations will never overlook the valuable addition that any customer can make. To keep their business running they require thousands of people to choose their products and buy the insurance that they sell year in and year out. So, unless they pay attention to customers like you, they may not even be able to exist in the market. So place a value on yourself and stop thinking of them in any other way.
Because of the need that they have for your business, fitness insurance companies will find it to their advantage to work with you. They will however make an assessment of the position and see that they can make as much money as they can. After all that is what they need to do if they are to run successfully as a business. This is a strategy that all businesses adopt. This does not require you to accept whatever is being offered. They have a need for you and will try to adapt to your requirement so that you are added to their list of clients.