Medical coverage is good, and for a general travel they meet a lot of the criteria. However if a tech age where people have many devises, phone, camera, smart watch tablet, laptop etc this area is majorly lacking. Low single item coverage Limits and overall low coverage value for your electronics means that your truly expensive gear won’t be covered. Their advise would be to go to another provider for electronics but the reality is most people don’t want to get insurance out from two or three companies they want want to reduce the hassle get it from one. You can add on specified items but only top tier covers you for more than about £400 most gadgets in 2022 exceed this value but some margin.