John H
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this is our worry repatriation to the UK
It is worth bearing in mind that repatriation is not a choice of the policy holder but is decided upon by the insurer - and it is very expensive, so they are likely to look first at other alternatives. If you are travelling to, say, Chad in north Africa and suffer a heart attack then they may welll decide that repatriation is the only answer but if you are in, say, Spain then it is highly likely that they will decide that the treatment you can get locally is at least the equal of that you would get at home - and a cheaper option for the insurers.