Is this thread about travel or health insurance. Title says travel but posts refer to health?
I take the view that I can look after just about everything myself except health. The car has European breakdown cover and we drive a popular brand of vehicle (VAG) so if anything did go awry we're not going to be far from a garage.
We're as likely to lose posessions outside the UK as at home, delays happen and you just live with it. Miss your Le Shuttle train or ferry there's another one in half an hour or so.
Health and potential repatriation cover are the most important factors and I really wish insurers would just offer that rather than the "nice to have" but hardly essential add ons that we just don't want.
We only travel within Europe, Mrs ATN's pre-existing conditions make travel further afield untenable from a pure insurance perspective. Anyway there's so much to see and do in Europe we've no urge to go further afield.