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That leads to really shoddy travel insurance companies being set up because they offer "travel insurance" which is very cheap and people just buy it because it's the cheapest. It was a legal requirement in Ghana for a while for travel and their travel insurance companies are awful because of it.

Can back up the fact that Andy is a top guy and am just glad to hear the both of you are okay. Also I'm not gonna bollock him at all about travel insurance, I never brought it until I started working in it so absolutely cannot talk :ROFLMAO:

Also if they got stuck into an Ambulance they don't always take them to a public hospital anyway. GHIC/EHIC only works at public facilities so it's not always a case of someone being ignorant to the rules etc. But yes, working in Travel Insurance and seeing the horror stories of people who...