In reply to MarkJH:
Know that AAC is a good option, and if I was heading for a holiday without the kids it would be my first choice, suspect the cover is broader and less open to questions than Columbus.
For a family trip where realistically I'm going to do a maximum of a day of backcountry, and more likely just the odd bit of bootpacking to some off piste, we've got a full year of cover for £80 that covers me. Took me ages to find the right balance of cover at a sensible price, hence sharing here in the hope of helping others.