That is true dave but it’s being able to afford it ? the decent policy’s are the ones that are over half the cost of the actual holiday! And when fingers crossed the chances of needing to use it are low it seems rather excessive! My condition doesn’t stop me walking, going out for the day, breathing(generally) eating etc, the main way my condition affects me are my muscles and joints get tried/achy easy and at night my co2 levels rise due to weak diaphragm muscles. Yet on about my condition I take away the breathing side of it… I get quotes of £20 ?