Should I downgrade my bank account that includes holiday insurance because of cancer investigations?

[HolidayOneDayMaybe]

I'll try to explain all the background to avoid a long set of Q&As

I've had a £22 fee-a-month Lloyds Bank account for years, because it includes free travel insurance, with no questions to answer on many common illnesses.

I'm now 59, and had a lump in my kidney detected during a scan last year. They said it most likely is cancer, but is small and is only 1-3% chance of spreading, but it hasn't grown much if at all, so they are calling that "stable", and recommending leaving it there unless it gets much bigger. They can't do a biopsy, it's either leave it or remove the whole kidney.

In subsequent scans, they found a lump in a lymph node near there.
They said it's unlikely to be related to the kidney lump
All the blood tests, ultrasound and physical exams of testicles, and prostate gland show no sign of cancer (these are the places cancer would normally spread from to those lymph nodes)

So: I'm having an operation to remove the lymph nodes in that area. They will then tell me if they contained cancer. I assume if they do, I'll need some treatments. Otherwise I'd be stuck with something that's probably cancer, but "stable".

Am I wasting my time carrying on with this expensive bank account?
I'm thinking even if this operation eliminates issues with the lymph nodes, that if I call up and say "I've got a suspicious lump that's 'stable' in my kidney", will they just add a huge extra charge on the insurance, which I should add I haven't used since 2022 btw.

If it was just down to monitoring a symptom-less lump for the next years, do I have to tell them? Can they refuse the costs of an A&E claim abroad later, just because I have this unrelated lump that might be benign anyway?

Has anyone got experience of this, because the combination of insurance and cancer is new to me

@HolidayOneDayMaybe if you make a formal complaint (as opposed to a phone call) you may get the chance to ask them to get the underwriters to look at your case individually. See my post above.

Travel insurance is become a right pain in the arse. We just paid £300 as a couple for a week in Turkey. My pre-exiting are oesto-arthritis with a knee replacement and a hip replacement. Both have given me no trouble ever. DH went for his annual old bloke check up at GP in January, so we had to declare that as within last 2 years. Check showed slightly high blood pressure, which after a week's monitoring, evened out as pretty normal. Also high cholesterol, which as to be recheck as they didn't tell him to fast prior to the test, so not accurate.

We got charged another £52 because of the high cholesterol and high blood pressure.

It took me hours on the phone and this was with All Clear. I'm not convinced they'd just dump us over some tiny issue that had been accidentally forgotten by us.