AXA Insurance USA

Compared with the deal I got through a comparison site last year, buying direct was a bit cheaper and the cover for my winter sports trip was the same. The site did ask me a lot of questions about pre-existing conditions before it gave a price. Once I got past that, the policy came straight through to my email.

Got quoted about a fiddy quid more on a comparison site for the same cover so I went direct and saved it. Booking took a few minutes and the policy turned up in my inbox instantly. The only wrinkle was the documents were a bit hard to find once you're logged in, and I had to dig around for my certificate. Otherwise fine for a short city break.

Went direct after comparing three sites and this came out cheapest for a week in Japan. Booked on my phone in ten minutes and the policy documents arrived straight away.

Bought the annual multi-trip policy because I was flying twice a year for work and it worked out cheaper than paying per trip. The quote was clear and nothing was hidden in the price at checkout. Got the documents by email within minutes and the policy number came through on the app. Good value for what I needed.

Cheapest long-stay cover I could find for a three month trip abroad, which is why I went with them. The policy was easy to set up and the documents arrived by email in minutes. Price was clear at checkout with no extras added on. Covered everything I needed for the trip.

Needed cover quickly because we booked a family holiday to Florida and the kids' passports were the only thing I still had to check. Booked the policy in about fifteen minutes between meetings and it went through first time. Sent us a confirmation straight away and the emergency number is printed right on the first page of the documents. Glad it was simple, because I was short on time.

Had a flight booked for Friday and realised I had nothing covering me for the trip so I rushed onto the site on my phone during my lunch break. Signing up was quick and I got the confirmation in the inbox before I got back to my desk. The payment page kept timing out on mobile so I had to switch to my laptop to finish it off. Sorted in the end.

Had to make a claim after my bag was delayed for four days on a trip to Greece, and I've been through this sort of thing before with other insurers so I knew what paperwork they'd want. The form was fine but they kept asking for receipts I'd already sent through the app, and it took about three weeks before anything paid out. Not a disaster, just slow when you're out of pocket.

Never bought travel insurance before so I was a bit nervous about getting it wrong. The quote page showed exactly what was covered for my ski trip, and the confirmation email had the policy number and a phone number to call. Setting it up took maybe fifteen minutes.

Bought the annual travel policy for my trip to Lisbon with my flatmates and it was dead easy on the site. Took maybe ten minutes to get through the questions and the cover docs came straight to my email. Only thing that annoyed me was the app wanted me to log in again twice before it showed my policy number, which was a bit of a faff when I was already at the airport. Would still use them again though.