Co - Op Insurance has begun offering travel insurance , offering instant payment of medical expenses to avoid customers having to pay up front and claim back later . Research by the company found 62 % of customers have failed to pay costs in advance when making a claim , with 10 % saying they have ended up in debt as a result . To make claims easier , Co - Op 's service will cover unlimited " cashless " medical expenses , with fees being paid direct to medical providers rather than to the claimant . The service will be backed up by online video consultations with UK - based doctors .
Co-Op Insurance has begun offering travel insurance, offering instant payment of medical expenses to avoid customers having to pay up front and claim back later. Research by the company found 62% of customers have had to pay costs in advance when making a claim, with 10% saying they have ended up in debt as a result. To make claims easier, Co-Op's policies will offer unlimited "cashless" medical expenses, with fees being paid direct to medical providers rather than to the claimant. The service will be backed up by online video consultations with UK-based doctors.