Luxury Escapes gave complete insurance cover through there insurance partner xcover, when there was 2 weeks away from our holiday my wife suffered a heart attack.Luxury escapes was informed of this and that we could not go, medical certificates were provided. Luxury Escapes insurance partner xcover were very quick to deny the claim. The insurance was brought by Luxury Escapes for us. My wife did suffer a heart attack 5 years prior to this which was controlled by medication with no problems in 5 years, this was how the insurance company and luxury Escapes are trying to get out of the claim - Why have luxury Escapes been able to sell the insurance in the first place with out asking any questions (apparently) is beyond me! what if you had a flu 5 years ago Kidney stones,stomach bug ect