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Martyn, I think it might be cheaper with Columbus is you take a separate policy for your in-laws, though I don’t know their ages. Of course if 120 days and over 80 is necessary, then you are clearly better off with Amex.
I remember speaking to BUPA a few years ago, who told me $ 1 million was the most they ever had to pay out for one of their clients medical bills I would imagine that £ 10m is probably more than enough for medical emergencies?
I suppose at the end of the day, we buy insurance for peace of mind in the unfortunate case of a mishap, so whoever we insure with, if we are happy with the price / cover / service / reputation then that is the most important and a few pounds more or less is probably irrelevant.