Travel Insurance and spinal fractures. What do I declare?

I would really appreciate some advice about declaring spinal fractures on travel insurance.
The insurance medical form asks about health conditions within the last 6 months. Does this mean I only need to declare a spinal fracture if it happened during that time? Or are spinal compression fractures treated differently from something like a broken leg, since the vertebra stays partly collapsed permanently?
I have read that spinal fractures are considered “healed” after about 12 months because the bone strengthens and stabilizes, even though it remains compressed.
In my case, I believe my fractures happened many years ago. As a teenager, I had a twisting injury to my back and soon after developed a mild rounded upper back (kyphosis). I didn’t have an X-ray at the time because the pain only lasted a few days.
When I was diagnosed with osteoporosis at age 72, I decided to have my back X-rayed because I had always felt something wasn’t quite right. The X-ray showed three fractures in my mid-back, each with about 25% collapse.
My doctor has listed the fractures as “active” on my health summary. However, Chatgpt advises that since the fractures are old, stable, and not causing pain, perhaps the only condition I need to declare is kyphosis, not the fractures themselves. I understand that chatgpt advice is not the same as medical advice, but the explanation sounded reasonable.
The travel insurance form doesn’t ask how old the fractures are. It makes me wonder if they assume fractures are recent and possibly unstable. This might explain why adding coverage for the fractures increases the cost by $350 for a four-week trip to the USA.
Since my back has not worsened in 50 years, I feel these fractures are likely stable. I am unsure whether such a high extra charge is justified.
Has anyone else dealt with something similar?
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