This product offers cover for many international trips which can be expensive without this added protection! It's also easy enough that anyone in our office could use it if required (we are all non native speakers). Nothing at present but would like more flexibility regarding cancellation periods etc - we currently have limited coverage as stated above so need additional options otherwise there may not always be peace within when travelling overseas :) Highly recommend especially given their competitive pricing compared other providers who charge much higher rates than they should considering what you get included! We've used them while working abroad where some policies do exclude certain activities such as surfing or diving whilst others include medical expenses only during stay away days/holidays therefore providing good value overall!