I too out annual multi-trip travel insurance with this company in good faith. I subsequently developed a temporary eye condition and being a good citizen I informed my insurer. They said "let us know when you have been discharged by the hospital". This I did just the day before travelling to Spain. I was told that because of this temporary condition my insurance has been cancelled. I was left uninsured for my trip and had to take out a single trip policy, at great expense, to travel with insurance. This process in contrary to the principles of insurance and I am outraged. I suspect that this is a regular process to cost the unwary more money. Disgusting service.