We have VHI World Assist and also pay for the Aer Lingus Annual Family insurance (Elvia). We've had two issues in Spain over the last few years, firstly, my wife had to have her appendix out (a week in hospital), and then our bably son got pneumonia (another week in hospital). VHI World Assist (Eurocross) were utterly fantastic, I couldn't praise them highly enough. Right from the start they got involved and arranged to automatically pick up the tab, and dealt with Elvia on our behalf. In fact, VHIWA click in first, Elvia won't get involved until they have to. Elvia were ok-ish to deal with but after the event you have to submit ott documentation to get money back.