Hi guys

Am so excited again to be coming to Florida. I have agreed on a villa and am just about to renew my passport prior to booking flights. Car hire can come later. My question is though when is the right time to take out travel insurance - when you have booked flights or later on before the holiday in September. Cant remember what I did last time. Am expecting a big premium though as although I have hip replacements which I always declare and which have been covered before, last July I had a second hip replacement i.e. a revision so am wondering if that will be covered and my age 72 is against me too. Any ideas chaps

Lisiann