I had an annual policy and I was due to go in for a hysteroscopy to remove a uterine polyp from my womb. This is normally a standard outpatient's procedure but due to it being too painful, I was booked in under General Anaesthetic as a day case. I was due to travel a week before this. I called up and apparently a hysteroscopy procedure is not on the list, nor is removal of an uterine polyp. When I tried to explain what I was having done, the girl on the phone was dismissive saying she'd have to accept my first answer which was a hysteroscopy procedure which was not on the list, neither was removal of a uterine polyp (is that because it only affects women?). This was absolutely ridiculous. I explained the procedure and she did not understand it, nor did she go through the list to find it as she would only accept my "first answer" despite alternative wording on medical lists between insurance companies and healthcare websites for the same procedure! She then said I was now going to have NO COVER on ALL previous conditions (which I had declared and paid for when taking out the policy), even though none of them were connected to a uterine polyp (eg eczema). She said she doesn't know about medical conditions and she could not refer me to anyone who does because apparently there is nobody at the company who could discuss this with me. I was offered the option of a pro-rata refund which came up with the amount of zero even though I paid £54 and still had half a year left to run. I also find it fishy that they do not allow reviews on their facebook page and I cannot find a link to review them on google. I also see that most of the "positive" reviews on here are from people who just bought a policy and did not make a claim or have to call up with a medical condition. Only at that point, can a company be judged on their honesty and service. I found alternative insurance before my trip with another company who had "removal of uterine polyp" on their list of medical conditions and even though I was awaiting the procedure, it was no problem and my other declared conditions were covered. Now that I have had my surgery (a very quick day case), I will make a formal complaint.