Our 2 year old fell sick last October 2 days before we were due to come home. We took her to the walk in medical centre by Walmart on the 192 - she had a thorough examination and diagnosed with an ear infection. We paid the centre charges of approx US$100 and then that again in the chemist at Walmart for the drugs. On returning to the U.K we just sent off the receipts for a refund.

We could not fly home until 2 days after our due departure but the Insurance Policy stated that only one Parent can stay with a child. This is a standard clause in the majority of insurance conditions, we were not aware of it and believed we had the best policy going and we had read the conditions a few times but had not really focus on what the clause was saying.

The airline eased our predicament and changed our flights for not much money so that we could stay together as a family.

Please read the small print and have a brilliant holiday.