Avoid at all costs. I paid a lot of money for the top package of insurance while in a remote part of Uganda with next to no phone signal. I had to urgently Fly to France after learning that my father had fallen very ill (my parents do not live in the UK). I rushed back and called Allianz at the airport who said they would said me the documents to make a claim. A few weeks later, I discover that because I booked the flight before talking to them ( I couldn’t get signal before reaching the airport where I got on the next flight) and the fact I didn’t return to the UK meant I didn’t get a penny back. Customer service were unhelpful and had no consideration for how traumatic and stressful the situation had been. Appalling.