Very easy to take out the policy, appalling medical assistance while you are abroad (the 24/7 medical team is only available UK working hours), and the claims process is torturous. We uploaded the receipts 2 months ago, all manner of stalling tactics (bank statements subsequently required, medical forms from the GP despite authorising them to have the medical records 3 months ago). Requests for the Case Manager to return calls completely ignored. If they are quibbling like this on a £600 claim, can't imagine what it would be if it was £1000s. Will never use them again.