[Pyramid*]

It's completely stupid. Hell, my normal current account with my bank has free insurance for travelling abroad built in as a benefit along with many other benefits, for a fiver a month.

As others have said, even purchasing it individually, it's inexpensive.

Hell mend anyone who ventures abroad without it, they get everything they deserve: unfortunately, normally it's their families and friends who are left to cough up - which shows how selfish they really are.