When I was first diagnosed with cancer the holidays we had booked prior to knowing about the cancer were still covered on the insurance, anything booked after diagnosis was not covered and I had to find other insurance. One holiday that had to be cancelled was honoured when I could travel because the insurance was taken out before we we knew about cancer diagnosis. The insurance was through the bank.  With Staysure insurance I was quoted similar to you so I didn’t take out medical cover. Unfortunately I am having to cancel this holiday because my cancer has come back. For another holiday that has to be cancelled I took out insurance with Albert & Eddie and it included all my medical conditions including cancer and was very reasonable. Maybe look into them.