Took out multi-trip holiday insurance before booking holidays. Husband has subsequently developed medical condition and now they will only pay for the cancellation. We don't want to cancel. We don't need to cancel. The consultant is NOT telling us that we can't travel, so actually we don't HAVE to cancel either. Seemingly Admiral know better and have withdrawn cover for him to go. They will cover me though - so that's fine. I'll leave my husband at home while I still go away???? What is the point of having insurance? Quoting for insurance is about risk. They offer a policy based on an assessment of risk. In most cases, they win. If the risk materialises, then they might lose. In our situation, it is likely that there will be no impact, but there is still a small risk. They don't want to take a risk - SO WHY ARE THEY IN THE INSURANCE BUSINESS??? I will NEVER use this shower again for insurance of any sort whatsover. Totally disgusted.