In reply to Jenny C:
> AAC will cover search and rescue etc and has no age limit or penalties for preexisting conditions. Personally I usually combine that with a 'standard' holiday policy to cover non activity related travel claims.
"Search and rescue etc" is just that, SAR. It won't stop you getting and needing to pay for a hospital bill, or medical repatriation - and your regular holiday insurance won't pay out for an injury sustained doing an activity they don't cover.