Co-Op Bank Everyday account Travel Insurance

golfer1419

I have had a Co-Op bank Everyday Account for several years following Martins recommendation. I have always updated any pre-exisiting medical conditions as soon as they happen, so that I am covered. I had booked a holiday to Thailand in August 2025 for travel in February 2026. I made a couple of medical updates in October and November 2025 with no issues. In January 2026 (Three weeks before travel), I contacted AXA (who run the scheme) with what I thought was a minor issue (Pheumonia) and updated the pre-existing medical conditions. I was quoted an extra £306.00 pounds, to cover my travel but, also had 21 very serious medical conditions excluded from my cover. Some of these related to previously declared medical conditions which had already been accepted. Worst of all, I tried to discuss with person screening and they said they do not get involved in discussions, take it or leave it. As I wanted to get advice, my travel insurance policy was cancelled immediately. I am now finding the company are drip-feeding requests for information that appears to be dragging things out. They are also not reading information sent to them and have asked for the same information in a different format. For example,the hotel sent a cancellation notice stating the date booked, date cancelled and what I had paid and the fact I had not received any money back. AXA then wanted proof of booking, date of booking and proof of payment! They sent a medical document for me to get completed by my doctor who has said 90% of the document is not relevant as I had not travelled and they had cancelled the cover.

Has anyone else had the same problem and was it resolved eventually?

flaneurs_lobster

Are there two different issues here?

Packaged travel insurance that was cancelled? Or just the medical cover cancelled?

Cancellation of a holiday, which may or may not be as a result of the medical cover cancellation?

Zanderman

That's a big block of text which is a little confusing.

Perhaps better to post this in the insurance part of the forum (link below) where you'd get better advice than here on the bank accounts thread. And split it into a few shorter paragraphs when you do.

https://forums.moneysavingexpert.com/categories/insurance-life-assurance

MSE_ForumTeam5

We've moved this thread to the insurance section of the forum

born_again

If the cancelling of the holiday is due to the cancelling of the insurance, I would not be surprised if they said no. As it is your choice to cancel, not any medical issue,

sheramber

Axa excluded some medical issues but who cancelled the insurance and what reason was given?

1 You voluntary cancelled because of the excluded conditons?

2 AXA cancelled the policy . What reason given.

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/81878695#Comment_81878695

Presumably Axa have cancelled it as they said the OP had to pay an additional premium but the OP neither wanted to pay the premium nor wanted to agree to have the condition excluded leaving Axa in an untenable situation of a condition they have neither been paid for nor been able to exclude.

I imagine the OP wanted to look to see what prices would be elsewhere or similar but Axa weren't preprepared to wait with the policy in force in that situation.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/81878815#Comment_81878815

Help to the op may depend on whether your presumption is correct.

Is he claiming because tAXA cancelled

or

because he cancelled.

Different scenarios may have different consequences.