Travel insurers under fire over medical get-out clauses Once customers have bought a policy, many travel insurers include what is known as ongoing medical warranties or change in risk clauses, which can give them a "get out" if they decide they no longer want to insure the customer - even if the medical advice is that they still can travel. In these policies, if a customer develops a new condition after buying the policy, the insurers advise them to check with their doctor if they are still fit to travel. Last year the FOS said that it had seen a sharp increase in the number of complaints about travel insurance. In most cases the cause of complaint was the customers have had a claim that they thought was legitimate turned down, it said.