i suspect this may have been said before but I wanted clarification for ‘long trips’ for medical cover. If I want to travel to Europe for anymore than 31 days at a time (flex plus is £13 a month with other insurance benefits so it’s £156 a year to start) then I have to pay a premium. For example if I chose to go for 90 days it’s about another 90 quid on top but I then have to return to UK. I could take 180 days cover(one trip) but that will be 220 quid on top of monthly fee so a total of £376. I would then not be covered for medical stuff and when I then return to UK it would be NHS cover and still have breakdown cover for UK as well as phone cover etc.