I recieved a renewal quote today on my annual holiday insurance which I was happy with in terms of proposed cost, but it asked that you make them aware of any health changes before renewing (renewal date is 11th October) so I rang them up and explained that I was going for a minor surgery on October 20th . They then asked me when the surgery had been diagnosed and I confirmed as June 28th as that was my first consultation, they then came back and said not only would they not renew but also that my existing annual policy would be retrospectivly cancelled from June 28th . Further to that because the policy was past the 14 days cancelation period they will only reimburse me about £20 not the full period that they have cancelled. My issue though is that if you buy annual cover your not actually buying annual cover your buying cover that may only last you until you next have a doctors visit because they will cancel at any opportunity. Im going on holiday next week (before the renewal date )so they have left me having to find new cover but also theyve taken no account of what the surgery is, there is absolutely nil risk of my condition causing me any issues on my holiday, so the least they could have done is leave the existing cover in place (after all it was a years contract) and then refuse the renewal which in itself would have been excessive. I think this is appalling service and I ve made a formal complaint which will no doubt be declined, and when it is, I shall go to the Financial ombudsman service and then the press . Do not buy annual holiday cover with this company.