I always buy world wide yearly travel insurance,as i have family in Abu Dhabi.
For hubby and myself I have just paid £174.28,I declared our health problems.
They wont cover me for a pending condition as I am waiting to have my gall bladder out,been waiting since January with no problems.Going to Spain next week.I can use my E111cardif any problems in Spain ,done a lot of reserch on it,sussed out local hospitals,done some Spanish translations for gall stones,as my Spanish isnt up to that,and taking the calculated risk,Cant put my life on hold for ever.but will cope in Europe.
My travel insurance paid out £2000 in January for a three day stay in hospital in Abu Dhabi,I had only been there six hours and developed pancreatitis which I had never had before,Its the first claim I have ever had.and they were realy good..just sent the invoices and they paid within a week.If I had any sence at the time I would have got my gall bladder out there and it would have been done with,but I was scared of the cost which I found out later would have been no problem.
My Insurance is Flexicover.