I insured my mum and was accepted with this company in april 2019 which was a good policy for the price we paid given she had several medical issues for a cruise in october ...on 20th August my mum has a fall so I thought I was doing the right thing by declaring this to the company bug was told that they could no longer insure her with her having a fall which was a shock with only 5 weeks to go before the cruise and to twist the knife they said if I cancelled the now invalid insurance my mum would only get back 50% of what she paid!!! Totally unacceptable... I feem like we have been ripped off by this very uncaring company