In Dec 2022 I booked a holiday for Feb 23. At the time my mum was having treatment for breast cancer and responding well. Sadly she deteriorated very quickly and passed away mid Jan. A week later my dad was admitted to hospital with what we thought was a heart attack, but turned out to be broken heart syndrome. There was no way I could leave him, so I cancelled the holiday and claimed on my insurance. My claim was initially declined because mum had a pre-existing condition, even though plenty of people fight and beat breast cancer, and when I booked the holiday it hadn't spread, so the secondary cancer was not pre-existing. However, I appealed the decision on the basis my dad had been hospitalised. Today I was told that because my dad was diagnosed with angina in 2005, his hospitalisation was also due to a pre-existing condition and the claim is still denied. In the 18 years since dad was diagnosed, he's never had a single issue with angina. So be warned people, if any of your loved ones have a condition that they have lived with for nearly 20 years, don't book a holiday - just in case it gets worse! Admiral's attitude of "that's just how our policy is worded" is just an excuse to wriggle out of paying what is a genuine claim. I wanted to go on that holiday, I didn't want my mum to suddenly deteriorate and pass away, I didn't want my dad to be admitted to hospital with a broken heart. Their absolute refusal to acknowledge that these were extenuating circumstances has made the most stressful time of my life so much worse. All I can do now is put in a complaint, but on the basis they take 30 working days to respond to any correspondence, it'll be 2024 before this matter is resolved.