Somehow I am asked for an opinion re my 2nd Globelink 12 months WORLDWIDE Travel Insurance. Well its not a great price however this Travel Insurance is flexible re being partly/fully based in the EU with a UK passport/etc. It is perhaps the 'BLEEDING obvious' but insurance is a matter of what happens when one claims! I have purchased travel insurance for over 40 years BUT only attempted to claim 2 possibly 3 times (small-ish matters but important) over this probable 42+ years. Such attempted claims (all over the last about 20 years) have been horrible (this not with Globelink exactly the reason why I question why I have been asked anything!) suddenly its nothing to do with whom you have paid/are insured with BUT some different CLAIMS COMPANY (seemingly most based in ESSEX) who are effectively uncontactable and even in the days of the WWW, Spacex and Crypto-Coins/Tokens all done but POST with NO ability to have a telephone calls or email exchange with anyone. I buy annual Travel insurance 80%+ in case of fairly serious medical issue/s (in USA or wherever) I just simply buy and HOPE which, I almost never do with anything else!. I hope Globelink are 100% marvellous with this when I such a claim. It is/and was a worry that I saw a review (after buying my 2nd annual cover with Globelink) from a person who did not have his/her full medical bills paid over months!. A worry to see any reviews like this dear Globelink Interntional Travel Insurance.....HENCE my 'POOR' (OK not VERY poor) rating.........all very sad this TRAVEL insurance as a whole is possibly a ghastly horrible immoral mess....regretfully one has to take cover in case one is in a bad car-crash or whatever in USA, Australia or Canada (even many other places).....BETTER people are NOT asked to rate GLOBELINK simply after buying cover for a second time.........I would suggest Globelink possibly alter their 'algorithm'.....