Avoid avoid avoid. My 22 y o son became very unwell with sepsis in Cuba. He was admitted to hospital. We were in UK, obviously terrified. I rang I and G because I (naively) thought it would be better to have them on board to communicate with the Cuban medical staff as I knew comms to Cuba are v v difficult. The quite pleasant chap gave me a choice of me dealing with it and then we claimed at the end, or they dealt with it. As my son's "in the end" was pretty precarious at this stage, despite us both being doctors, I asked them to deal with it. And that was the last pleasant help we received. "We cannot intervene until we get a letter back from the doctor in Cuba". Ad nauseum. So we spoke to the doctor in Cuba -on his mobile, on a Sunday morning. Cuban medical care is AMAZING btw!!! Anyway, we flew him home and paid ourselves as he was in hospital for his booked flight and it was also a two stop flight which he'd booked when feeling fit and well. Anyway long story short my son did eventually get the hospital fees paid but initially they refused however he cited the fact that at no point had he consented to us dealing with his affairs and they gave in. They didn't pay the air fare. Essentially BE WARNED - they are no help whatsover in the acute stages. Also, they will leave you festering in a hotel room for a week or two after you are well, while they get all their letters confirming you aren't likely to die on the plane. Not because they give a toss for you, but they are covering their arses. Do not expect them a. to intervene on your behalf, or b. to actually contact you at all! c. "cover you" if you become ill. You will have to fight for every penny. He had leptospirosis, was on a drip for a week, iv antibiotics and antifungals, and was very very dehydrated. How sick does a person need to be for them to be helpful? All the reviews on here are about how easy it was to get the insurance but honestly, when they actually were needed, they were useless!