My doctors have been like that too. I have to pull their teeth when I want some sort of screening done or want to see a specialist, but because I'm relatively fit, healthy, with no family history of anything "bad", they say my risk of things is low. I don't care. I just want peace of mind. Cost isn't even an issue, I would be willing to pay a decent sum to get regular screenings so I'm not blindsided with some stage 4 diagnosis down the road.

BTW The American Cancer Society recommends colonoscopy screenings starting at age 45 routinely now if there are not other indicators to start even earlier.

https://www.cancer.org/cancer/types/colon-rectal-cancer/dete...

Is it doctors, or is it medical administrations reluctant to deal with "selling" your insurance provider on covering you for a service?

At least in the US, I've found that if you're paying cash up-front, you can shop around for what you want, without referrals, and without this kind of hesitation.