A relative bought axa travel insurance through tui. While away one member of the party ended up spending 5 out of 7 days in hospital. It took a while to get compensation for the lost holiday. The hospital bill wasn't paid out by axa at the time. Turns out there was a paperwork era, no-one informed us. One year later the hospital sent bill for £5000. The correspondence and medical requests from Axa assistance were not clear what medical information they required. When GP sent report they said they didn't receive it. You have to deal with a department in Barcelona, Absolute nightmare, Expected to pay for medical reports. No peace of mind which you expect to have when you purchase insurance