Renewed my annual travel policy with Explorer Travel Insurance and all goes well, they take my money a month prior to the policy renewal date (should have started to smell the coffee!) 2 days prior to it starting updated a pre-existing condition on the phone. When you try to claim, they direct you use a claims firm that handles this for them and this firm avoids the facts and seems to prioritise NOT PAYING OUT. Will be going to the Ombudsman if they persist. My advice is avoid them, you only really know how good they are when you try to claim. I cant imagine the problems if you fell seriously ill in another country and you have to deal with their third party. They could even get my name right!