I couldn't agree more with the other reviews. Coverwise and the underwriter AXA must be avoided at all costs. Ended up in hospital whilst abroad in January 2019 and A&E attempted to contact AXA so many times without success. Came back and attempted to claim but they refuse to pay because my GP stated that I was waiting for an MRI on my back, but AXA turned that around and said that I was awaiting for results. Bottom line my hospitalisation was for severe gastroenteritis and nothing to do with back etc. The policy wording is confusing and contradicting and in spite of my many emails and complaints I got nowhere. I've now referred the case to the FSO and shall see what happens. Stay clear from this company at all costs.