In March 2023 my hubby and I went to Australia to visit family for 5 wks , on our last week I had a fall which fractured my hip and pelvic floor , I was in the Gold Coast hospital four nights , they couldn’t opporate so I had to recover on pain killers , I wasn’t fit to fly so our flight was cancelled, on contacting my insurance they arranged for after care , as we only took our daily medication with us to last our holiday we had to visit our grandsons GP practice for prescriptions at a cost , as we are pensioners we don’t pay at home in the UK , James at paying to much was very helpful he arranged there medical team to speak to me , they arranged an ECG , Blood tests and a scan , as we were rating with family I was able to recover on crutches and strong pain killers , so wasn’t fit to fly so our holiday was extended to an extra 6 wks , James at pay to much arranged for a flight home and upgraded us to business class for comfort , at first it was only for me , but when i asked James why and told him that my hubby was 82 had health issues which were stated on the insurance and I was his carer the agreed for him to fly with me in business class ,a car picked us up to travel to airport and a taxi waiting on arrival in Uk on arriving home I collected all our receipts for expenses sent them to insurance which was dealt with by the post office and was paid quickly, so I have given 5 stars and would use again and already recommended to friends and family ☺️