Really bad organisation - I called them to let them know I was experiencing some eye inflammation due to dry eye which I was taking eye drops for (the equivalent of taking antibiotics for a chest infection lets say), the optician said I didn't need to let them know but I wanted to be honest as I had a trip coming up and was worrying that things may escalate such as getting an infection. I expected to have to pay a little more to cover this slight possibility, but instead was told I would now not be covered for anything to do with my eye (later on it was revealed that what she actually meant was that specific condition in my eye rather than anything to do with my eye - so basically inflammation), which I accepted in the end. But whilst I didn't know this, I had to take out another policy with Love it Cover it which were absolutely fine about it the eye inflammation for a reasonable price! I check back in with Cover Wise 3 months after my flare up, and even though the inflammation is gone, I am no longer covered for eye inflammation. I wish I hadn't done annual with them, as had I learned this from just the one trip, I'd have been long gone and stuck with Love it Cover it. It makes me think if you disclose hayfever, you'd get the same treatment! I have a friend who unfortunately was unfortunately going through cancer treatment last year who was never told with their provider that they weren't covered for support they may need abroad from their provider (thank god!) It's just really silly in my opinion, I've been with Cover Wise a few years, never had to claim anything and just feel it is extremely back to front to punish honesty. I can't get out of my annual policy so just a warning to all - be careful with what you are honest about if it is just minor and likely to be a one time thing, and I certainly wouldn't recommend going annual.