Help Travel Insurance Problem

[canasta]

We have annual worldwide travel insurance which has covered all our existing conditions at no extra charge and which, up to now we have never used.

WE booked a cruise about three weeks ago which leaves on 18th June. I have developed a chest infection for which I am taking antibiotics and a short course of steroids. When we informed our insurers they asked for a further £168 to continue the cover. We have no other trips planned. When my husband protested they suspended my cover and i have 24 hours to decide whether to pay up or go through the med screening and set it back up when I am better.

Even though the policy has been cancelled for me apparently the amount we have paid for the cruise is covered if I am still ill and unable to travel.

Is it worth paying the money now and having continuous cover or waiting till I am better and reapplying for the insurance?
I have about an hour to decide..Help

[TWR]

Tell them to stick their Insurance where the Sun does not shine, we have used a few as Loyalty means sod all, depending on your age search around But make sure you disclose your complaint other wise it could back fire, to the Insures, you are just a name, they want your business, but you can search around, go on Compare sites, Martin Lewis sites, Age Concern Sites, Stay Sure Site, there are many many more.

[jno]

answered here (though you might get better answers this time)

http://www.theanswerbank.co.uk/Travel/Question1247253.html