Travel Insurance Lloyds Premier Account

My claim for a cancelled holiday was recently refused by Lloyd's underwriters, Axa on the grounds of a pre-existing condition.
The holiday was booked 2 weeks after mentioning a very minor symptom during a routine visit to my GP. Six weeks later I was referred to a consultant for further investigation which unexpectedly lead to a serious operation. At the time of booking my GP wrote that I was in 'excellent health' and the outcome was most unexpected!
I thought insurance was to cover you for unexpected problems ....but not Lloyds insurance. Their 'get out clause' states a pre existing condition as... A Condition For Which You Have NOT Had A Diagnosis. This could mean anything!
Axa took ages to respond, asked for mountains of detailed paperwork, sent a letter with no enclosure, were most unhelpful on the phone and then informed me of their decision in a one line email. I was expecting a follow up letter but nothing has arrived.
Another member of the party had Saga insurance and they paid in full for her within 48 hours which much less paperwork.
My suggestion is use Saga and avoid Lloyds/AXA like the plague.