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I like the bank account travel insurance thing. I only have a 123 account, though.
I have other travel insurance. Only take it as and when needed.
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Seriously: If you value it, take/fetch it yourself
i prefer to have the peace of mind having the cover in place.
General rule of thumb is if you make more than one foreign trip a year you are probably better off getting an annual travel policy.
Most have exclusions that incidents that are 'attributable' to alcohol are excluded as one poor chap who fell from a balcony after a few pints found out to his enormous cost.
Seriously: If you value it, take/fetch it yourself
Your employer should supply travel insurance for business trips, as stated above normal domestic doesn't usually cover it.
EHIC is useful, but that just means you get the same level of health cover as local EU citizens.
Although a recent experience in a German dentist didn't hold that - many locals will not like the extra paperwork.
My travel insurance comes with my Natwest bank account, and is very good - surprisingly so in fact (having had to use it twice).
My current policy is with Virgin for £193.52.
My renewal quote with Virgin is £210.43.
Usually, if I don't reply to their letter advising that my renewal is due, they automatically deduct the money from my bank for the following year's cover.
The company I work work offered reduced Travel Insurance rates with a company they deal with as part of their Employees' Benefits Package. This is about less than half as with Virgin. Alas, I did not realize they did this and did not register in time.
@rocktron we pay less than that for our bank account. I'm pretty sure we get breakdown cover with that as well. We also get to reduce/avoid fees on using cards abroad.
We actually claimed on the travel insurance last year when we had to cancel a UK holiday when my wife's nan died.
One other thought: you do need to read the small print. I climbed Kilimanjaro a few years ago, and I had to get a specialist policy that covered high altitude.
When I was looking into that though, there were a lot of things that were considered "dangerous" that weren't covered by basic policies. For example, if you go on holiday and see a jet ski for hire, most policies won't cover you if you come a cropper on it. Some of them might not even cover you if you hire a moped locally and injure yourself on it.
This.
Read the small print. Most 'free' policies aren't worth it. I tend to buy a trip specific policy depending on where I'm going and what I will be doing.
Remember, it's easier to criticise than create!
I will rarely renew with the same insurers, they tend to take it for granted that you'll renew automatically and they'll sting you. Be prepared to argue the toss.