Incorrect info supplied

I took out two insurance policies for cruises to Melbourne Cup & PNG. At the time I was verbally informed there was a $3,000 excess payment for any claim associated with any pre declared medical condition (I declared that I had a pre medical condition ITP) I accepted this advised concerning the $3,000 excess. Prior to the Melbourne Cup cruise I was diagnosed with cancer that need immediate treatment, this meant that I had to cancel both cruises. When making a claim I was informed that the $3,000 excess applied to ANY medical condition that caused a claim against the insurer. In my opinion this might be technically correct but it is morally wrong with what I was told at the time of arranging insurance.

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