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Comparison of Nationwide Flexplus

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Hi,

I'm looking for worldwide annual travel insurance (USA) for my family (2 adults, 1x 3 year old, 1x 1 year old). Prices are around £150 for the year, flexplus works out cheaper (even without the other bits). Whats the downside?

I'm struggling to find a decent review of the insurance and what it covers.

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