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I do not take out Hoseasons personal insurance. I only pay the compulsory boat damage waiver. I am in no way suggesting that you nor anyone else should not take this insurance I may be wrong not to do so. It is just my own personal choice.
A travel company's insurance would normally cover you for a number of eventuality. Last minute cancellation, get you home in the event of illness, etc. My advice would be look into what you are paying for. Some years ago I took a small jet from a RAF base to Crete with a three person medical team to bring back a young man who had had a scooter accident. The cost in those days was in excess of £55000 all payed for by Amex travel insurance.
Edit to say: That would have bought a house then in SE England.
The Eagle may soar majestic, but you don't suck a Stoat into your jet engines. Please leave the water and banks as you would wish to find them.
This message was edited by CaptBryan on May-6-15 @ 2:00 PM