We have an annual policy with Nationwide, it's the flex plus policy, we extended cover to 100 days, last year we had to pay an additional £221.00 for pre existing medical conditions, high blood pressure for both of us and medication for Cholesterol, plus the extension to 100 days.
This year my wife has had a course of cortisone injections for arthritis in her hips and I have had treatment for a bad back, which I declared, I have just renewed the premium today and it has shot up to £347.00 ouch.
But on the plus side we have had two claims, I swallowed a chicken bone in Thailand, they liased with the hospital there and paid all the medical bills without any problems, came to.just over a £1000.00
Plus on another trip we had to cut short a trip in Thailand due to a sudden family bereavement in the UK and they reimbursed us for our new flights and for having to cut our holiday short. So I have peace of mind knowing they pay out when you need it.