Booked 3 nt break 2022. In hospital cancelled. Money put in holding acc for 12 months. During that time diagnosed with incurable lung disease. Not advised to mix for fear of infection which could prove deadly for me. In fact our lives are now the same as shielding permanently. Have to wear masks when with people indoors etc. and cough a lot. Unpleasant for other people. Supplied Drs letter as they requested which gave name of disease and reasons I shouldn’t go. Dr wrote she supported my request for refund. Still refused. Write to MD at head office with full info - still refused. Didn’t even send written reply and explanation. Got his sidekick to ring. Read T and Cs in detail - nowhere does it state about refunds for incurable diseases or a terminal diagnosis. In fact they never give a refund. It’s all rebook or gift your holiday to a friend. If you are able to rebook they then charge rebooking/ cancellation fee plus the updated price of the break you booked initially so you end up losing most of the money they put in a holding account anyway and it costs you a lot more. What they put about their protection plan on the back of the confirmation of booking is just a few lines but it’s written in a way that leads you to think you are fully covered. You have to really dig into it online to find the exact facts which are ‘you’ve been a sucker mate!’ So here I am with an incurable disease I didn’t ask for losing out on the test of my life and some so and so is keeping my money! £472.01! What a way to treat people! Disgraceful!