I always buy an annual Amex Travel insurance Select policy level. I tend not to travel West, so it does exclude USA, but at £62 that excellent value. I have made 3 claims in 4 yrs, always prompt, very helpful, apnts made by phone to record & assess a claim papers not required to be sent away, really quite excellent. (A recent claim for emergency dentistry in Australia for a chipped tooth).
I am always wary of “Free policies”, prefer to shop around & have my own tailored cover. At such a modest cost it appears very worthwhile, & I do agree that Amex is one of the best policies available, with a real International network of back up when needed.