I don't know the details of the cover provided on individual policies, but I was delighted with the service I got last year from Direct Travel Insurance. We had an annual,world-wide policy - very reasonably-priced(especially when compared to the one my best pal got from a High Street travel company) and very comprehensive (again, it was far better than the one from the High Street place, my mate and I compared notes when we both had reasons to claim. ) I had to cancel our US holiday at three days notice - and was very pleased and relieved when the claim was settled two weeks after I sent the forms off. Maybe there are comparison websites you could look at too?