Have been a customer with annual travel insurance for several years. It seems to me they actively look for ways not to be helpful or pay claims so this year I have moved to a different company. Egs: 1) I rang the emergency medical advice line when my husband had an infection in I eland. I didn’t want to claim - just some info about what the procedure was to get some antibiotics for him on a Saturday morning. They didn’t know so I had to find out for myself 2) his glasses were damaged during a storm on board a ship in Norway this year. Immediate response was” no cover” because we didn’t have a written report from the tour company about the incident. Strangely it hadn’t crossed my mind to ask for such a thing in the middle of a Force 10 gale off the Lofoten Islands ( what was I thinking!) Fortunately we didn’t need to pursue a claim anyway as Boots the Opticians have a much better attitude to customer service and replaced his specs free as he was within their 3 month guarantee period. If this is their attitude on small things I don’t want to try them out on a real emergency.