BEWARE! Like many second rate Insurance companies - good until you need them!
My parents were holidaying in the Algarve in Portugal when my father had a fall and broke his kneecaps. He is currently in a public hospital in Faro where they do not have the surgeons required to operate. In spite of this the Holiday Risks doctor is insisting that he stays there (Note at no expense to the company!) and is 'trying' to contact the hospital where my father is staying. This is the current status and he has not been able to contact the hospital since yesterday. Instead of looking into getting my father into a private hospital as soon as possible so that he can receive this important surgery they are looking for the cheap option - even when the public hospital has already told my parents they do not have the facilities to perform this surgery.
This is an absolute outrage, insurance companies should be on the ball in these types of situations. They have been absolutely no help thus far - he had his accident on Monday night, it is now Wednesday afternoon and still the Holiday Risk 'doctor' is waiting to contact the hospital.
Ask yourself this - If you are unlucky on Holiday and have an accident, do YOU want to be in the same position? Go and find a reputable company, don't leave you Health and wellbeing in the hands of this company.
They Provide no help at all! Are very quick to take you money though!