Can I reduce the premium by taking less medical insurance cover?

£10 million seems excessive. It may sound excessive but a vast amount of experience tells us that it is better to have a high level of cover rather than to be left under-insured. At the end of the day, no one can tell what treatment would be required and where it would be available. Repatriation is covered under this section of your policy and can be very expensive if it has to be by private plane. Similarly, even the most basic of medical treatment in the USA can run into thousands of pounds.