I purchased my travel insurance as soon as i booked my holiday which was over 6 months prior to my departure. I declared all previous medical conditions. A month before my departure i was referred to hospital for a scan which was unrelated to the previous medical conditions declared. I phoned the company to tell them only to be told they would not insure me for anything related to this scan. Surely this is the reason you take travel insurance out - to cover you for unforeseen problems. It ruined my holiday to Asia knowing that I was not covered. Why did I bother to take out insurance? My policy was a waste of my money, Do NOT buy from this company!