Our holiday insurance is with the bank I work for. Just a word of warning with any insurance company. I once again visited the local friendly doctor in San Stef which is a private clinic, with my wretched infected mosquito bites and I only had to pay 5 euros for the pleasure of 2 steroid injections in my bottom!! Your holiday insurance will cover you, but normally most policies have an excess of £40 to £65, which means that you have to pay that to the surgery and you obviously do not get that back, so it can be an expensive visit should you need to see the doctor. I paid an excess waiver fee of £11 so that I do not have to pay the excess. So it is always a saving for me to pay that fee. Most companies should have this option.