Yip, but the other key factor is the FCO list. Half(?) of my intended route is through countries listed on the FCO website, so I want cover in those countries as well.
I'm happy if it excludes the actual part of the country with problems and/or the thing (car jackings for example) that the FCO warns about. But if I slip over whilst walking on flat ground then I'd like to be covered for that regardless of it it happens in Morocco (not on list) or Nigeria (on list).
And that's why Travel Nation were good as they offered that cover.
Still, my last two trips were without any insurance and I'm starting to remember why now!
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