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I have a Home and Lifestyle policy with NFU Mutual which contains annual holiday insurance handled by a French company called Mutuaide. Before I go on I must stress NFU Mutual are a brilliant company. On the down side they use Mutuaide as the holiday insurance handler as do loads of other insurers. 2 weeks ago my wife and I had a holiday in Madeira. My wife fell ill on arrival. Several days later she was admitted to hospital inMadeira with a heart problem. My daughter in the UK went into our local NFU branch told them what had happened which kicked Mutuaide into gear. The hospital stabilises my wife and said she needed repatriation with a doctor in attendance. What followed was a nightmare Mutuaide avoiding doing anything, excuses like; the most difficult task was to get someone admitted to a UK Hospital, it took up to 48 hours to get permission to take oxygen onto an aircraft. Both lies. Anyway my wife did not require oxygen plus aircraft have to carry medical oxygen anyway. If it were not for our determination and eventually intervention of our local NFU office we would still be there. I have just submitted a 3,000 word complaint. Before you take out holiday insurance check Mutuaide is not the underlying provider.