We use Halifax Bank Ultimate Reward Account for us as a couple, which is £12 per month, this is for Worldwide cover 31 day trip any one visit, it also covers mobile phone insurance, RAC and more (at home), but those are what we use as a couple, if we had children of school age they would also be covered for annual travel insurance, so we feel we get our moneys worth. Our daughter who is 20 uses direct travel for annual travel (europe) cost £17 per year, she first used them 2 years ago for one weeks insurance (cost £5!!) we had to claim as she was taken to the hospital in fethiye by ambulance from Olu Deniz(suspected pneumonia), luckily she was treated correctly we paid our money over and upon claiming back in England no problem at all money all returned minus the £50 excess, that was long winded but hopefully helps.