Always use Argos Annual Worldwide............... Unfortunately broke my neck (not spinal cord) 32 years ago. I started back to work 3 years later and have never had a day off with that problem or related one since so why is it any of their business?
Yes - a big bone of contention, we still use the same insurer for our annual, we had to declare Linda's heart attack nearly 20 years ago.
Sorry Bristol Boy, hope this doesn't offend, but I truly believe that Insurance Companies are the worlds biggest thieves,
(after Euro and Uk MP's), they quickly take your money and so much is hidden in small print to deny payment!
No one wants to be defrauded, but if you are honest, and while I can understand a slight loading when you declare, having been given access to your med/records, which show you are now stable, they should by law be made to insure and pay out if the worst happens.
It must even out over the millions who never ever claim. We have never claimed in 40 years of travel - so it's profit all the way!
Insurance companies hate to pay out and will use any way to avoid it - as usual big profits win over customer service and committment!
The majority of older people have high blood pressure, many have a touch of asthma or various ailments, which is really quire normal!
It's these everyday things, in normal circumstances never a threat, that give the excuse to deny paying out when something goes wrong on holiday!
Repatriation should be the minimum that they cover!
At the very least they should support a central fund to cover this, like motor insurance,
or like when holiday companies go bust and it pays to get the customers home again!