Do not use axa we were supposed to go on holiday in August the night before we had to travel my wife got rushed to hospital her appendix burst so no fault of our own we couldn't go .Claimed for a cancellation gave them everything they asked for they declined us for a past medical problem that wasn't on there list ,phoned them back was told that we would get paid because the problems were minor 3 weeks down the line no money emails getting ignored lied to on the phone and continually being told 7-10days for updates wgat a joke of a company we actually went through a company called southdowns so stay away from both.