There always seem to be horror stories with insurance companies. I did a bit of research before buying insurance for a 6 month backpacking trip through Asia. Ultimately, I didn't expect much and expected the worst. In reality, my experience was almost faultless with TI4M. On 2 occasions, they saved me a fortune in medical bills and went above and beyond to make sure I was receiving the correct treatment. 1st claim - severe food poisoning in Cambodia. The hospital were withholding treatment unless I gave my card details up front. I knew not to do this, however insurance companies cannot agree to pay until they have a final medical bill, otherwise they are essentially signing a blank cheque (which is what the Cambodian hospital wanted them, or myself, to do). I was almost unconscious within half an hour of arriving at the hospital. It reached a point where they thought I may have sepsis as my condition was deteriorating fast. My friend communicated this on the phone to TI4M, who spoke directly to the doctor, they almost shouted my rights down the phone to pressure them into providing the treatment I needed, stressing they had a duty of care to me and once they had a final bill it would be paid. Total cost came to around $1800 for treatment, I paid my £75 excess when I was discharged, everything else was taken care of directly between the hospital and TI4M 2nd Claim - Dengue Fever A much simpler process, I called, said the doctor suspected I had dengue fever and needed to do bloods and possibly admit me to the local medical clinic. It took one call, they raised a case number and everything was paid for directly - 10 days of accommodation, fluids, food, blood tests, Dr's time, and eventually even a private boat evacuation to a larger hospital on another island. Again, £75 excess upon discharge. They even emailed me to check how I was feeling over those days. I may be able to claim back flights that I missed due to being in hospital at this time too, I only just got back and intend to raise a case about this. Finally, I extended my policy with them for another month. I was expecting there to be a huge charge after the amount of claims I'd made. It cost £2.75. My experience was incredible, I'd have been in serious trouble without them. I would just stress to raise a policy number *before* treatment, that way everything is dealt with directly rather than being reimbursed and having to prove your expenses. Only criticism is I wish they had a WhatsApp contact - I had to pay around £10 to call them to make a claim. Realistically though, when you need to make a claim for your health, the £10 cost isn't a big deal.

This is the best insurance covering medical conditions that I know. Always works and agents are very repsonsive.