In June my husband had a terrible accident while we were on holiday visiting my son in Colorado. He was thrown off a horse, which then landed on him, and in the space of five days he needed four operations.
Fortunately, we have an annual travel insurance policy with AllClear, which I had taken out in April when we booked the trip, paying £550, so we knew that we could claim.
But while the company is voted the best in the country, this hasn’t been our experience. After my husband’s accident it was almost impossible to get through to anyone on the emergency number that was in my documents. It took 45 mins each time.
Even though our insurance policy covered medical treatment, the hospital
