travel insurance is a must for me i've not left home without it,
but never used it either, is it best to get a full comprehensive cover for trips to los or just a basic deal i hope i never need it but would hate to end up in hospital then get a bill for thousands of pounds. whats the best to use, are things like getting a motosai covered or a boat trip to koh lahrn and scuba or snorkeling
ect has anyone had to make claims and did they get settled or just brushed off by the insurance company?