Covermore sounds better, all good if you do not claim, then they do not want to pay! a holiday sounds a great idea after treatment, good luck! By the way Allianze was for a badly broken ankle and there attitude was the issue, they would not admit to the claim and as it was in France told me surgeons report was in French! ( yes it was ) I do advise not arguing with a French Surgeon! My son also had some dealings in Japan with a Japanese Surgeon and again Allianze said, do not listen to the Surgeon and sign yourself out of hospital! Sadly in both cases it was the Nurses giving this advise, however in my sons case they did accept the claim and then were good. I think it depends who you speak to, however you do not have accidents on purpose!