we booked our holiday insurance with this company{never heard of them}but which magazine recommended them ,so i booked my insurance up with them for £42 2adults and 2 children ,i also found this a good price having looked at lots of other insurance companys ,anyway on holiday in early sept my wife was bitten by a spider and her leg was very swollen and looked nasty,we were sent to a local drop in centre and she had alot of treatment and overall it came to over $500 ,when we got back there was a claim form already posted and with in 2 weeks of sending off all of the details we had a cheque today for the cost of the treatment ,i would recommend this company