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Travel Insurance

We booked a cruise with friends last year departing early May this year.  At the time they had annual travel insurance. It’s due for renewal on 21 February 2024.  However, when ringing to renew they declared that my friend was awaiting diagnoses for hip pain and has a hospital appointment in April. The insurance company  have now refused to renew the insurance until diagnoses.  The cruise has been paid for in full.   They are now to be left with no cover. Can anyone advise please?

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