Most credit cards cover 15 or 21 days, you can then top up for the remainder of your trip, and they cover a spouse or dependant child too.
It’s worth noting that for the Trip Interruption and Cancellation portion a significant percentage of your trip cost has to be charged on that card.
We normally go the credit card insurance route.
I use generali when I travel outside the US. I’m accident-prone and have used insurance a few times.
So they pay well for medical?
That sounds suspiciously cheap Colin
@Smiley ,
I hate insurance and as a rule of thumb think it’s generally a rip-off.
This was the cheapest possible with a reputable company we could find.
We’re only concerned about the big issue of major illness that could run into thousands or tens of thousands. All the small stuff, toothache, loss of luggage, loss of phone, delays etc don’t stress us at all, we’d just shut up and pay up ourselves.
I’m 62 this year and, being relatively healthy I’ve taken a calculated gamble in the past, and never had travel insurance before, but my knees and marbles are not what they used to be so thought I’d better not push my luck too much and begrudgingly take the plunge and purchase some insurance when we travel from now on.
If we weren’t insured and I dropped dead abroad, Karyo would check out early and leave me there for room service to sort out! 
Ohhh sounds like … colin
@mam1996t - is that question addressed to me?
Good on Karyo.
Which insurance company please. Thanks Sarah
It is Admiral- A UK based company, I think it will only be available for UK residents
When I hear of such cheap insurances my first thought is: what’s the Stability Period for a previous condition? My sister bought a cheap insurance that had a Stability Period of 24 months and, sure enough, a health ailment she thought had been a one-off 18 months before reappeared and wasn’t covered.
Many insurance policies don’t even cover pre-existing conditions, so it’s definitely something to ask about if anyone has had an illness or disease that might resurface and require significant care and/or immediate transport back home, especially abroad.
Luckily for me the last time I saw the doctor was in 1972 when I got a screw stuck up my nose!-
Do you have a photo?!
@Colin have you got your free European health card (Ehic)?
@Maggie8K Yes. This is very good advice for anyone who has had any medical issues at all. I am US based and have found policies that will waive the pre-existing condition exclusion, as long as you book and pay for your policy within 21 days of paying your first payment for your travel. For example, if you are booking a cruise and put down a deposit, you have to make sure you get your insurance within 21 days of paying the deposit. This waiver window time frame may vary with different companies. I have also found that many travel insurance policy premiums are tied to your age. My husband is over 70, so his policy was more expensive than mine.
This is why I’m tentative, becaue most insurances seem to be a rip off. I’ve compaared several already and being methodical about my decision.
We have 
In my opinion, more than imagining that it’ll end up being a rip off, we should go by the old adage “you get what you pay for”. With insurance, we may learn the hard way that what we bought wasn’t such a good product after all. It is certainly worth our time familiarizing ourselves with the various coverages, conditions, and exclusions. Depending on your preference, you may want to pay a bit more and buy one that doesn’t require you to notify them before needing medical attention, something that might be hard to do in critical circumstances.
I find that all travel insurance companies tend to have great websites and quite calculators.
An insurance company I’ve been happy with is Manulife, and I’ve heard good things about TuGo.
