Yip done the math, I don’t really have a home option if I need serious hospitalization, UK is f**cked and not fair to burden family and wipe out their inheritance - two night stay here after a fight with a gate cost me B120k 5 years ago
I pay B42k p.a after 4 years no claims with Pacific Cross they are well regarded and found them to be spot on in all dealings with them a number of friends have claims experience which has also been good, incl a gall stone op……
I also don’t like letting my passport out of my sight, never leaves my safe or travel pouch - handing it over to third parties is always a risk especially if they are engaged in corrupt practices.
Getting kicked out if Agent screws up let’s not forget the Ed visa fiasco which many thought would never happen……I know several people who got deported and banned