I was delighted to find a good price for a policy which covered my existing conditions as standard .I was much less pleased to be quoted £14 each for 2 very minor subsequent conditions with only 6 weeks left on the policy. These occurred after the booking of a holiday. My bank insurance advised me that for them this meant they would be covered free of charge and anyway regarded as insignificant conditions. The medical line for Globelink grilled me at length and put me to the trouble of checking the date my holiday was booked .Immaterial as they wanted to charge irrespective. If these charges were pro rata for a year in my estimate I would have had to pay about £300 to cover a tiny patch of dermatitis the size of a fingernail and asymptomatic diverticulosis only detected by a routine test. Needless to say I have not renewed for this year.