Avoid - basically ignored when we needed them in the middle of the night - sent me an email asking questions that were already answered when the policy was taken out!! Instead of helping us as we didn't know which hospital we were authorised to go to. Finally sorted it myself at 2am in the morning with a very sick parent. The following day I emailed them (again) asking where we else we could go as the treatment was less than satisfactory very basic & still feeling unwell. Nothing. No reply. Ignored. Thankfully parent became better after a visit to a good chemist & a call back home to her own GP. Dread to think what would've happened if things got worse & luckily towards end of holiday. Do not use I will avoid this company from now on & warn others too.