It seems like madness to me that anyone would go on a break or holiday and not take out travel Insurance. Of course you hope you will never have to use it, but for peace of mind it is worth much more than the material cost.
Take for example a trip I made to see the Christmas Markets in Lithuania last year. I entered my details and a couple of minor pre existing medical conditions, and was quoted £5.94 for that single trip, or £21.18 for a whole years worth of cover. Bearing In mind that also covers non medical Situations, such as lost luggage and missed flights, then it truly is money well spent.
Justtravelcover.com works as a comparison type site, meaning you have plenty of choice depending on which company best suits your needs. It takes no more than a couple of minutes to fill in your details. Once you find the quote you wish to use, a simple click leads you to fill in a few details including payment.
I am happy to say I have not had to claim for anything on travel Insurance as yet, so I cannot comment on how this part of the process would work.