CICA - Combined Insurance Company of America.
I have the personal accident cover thingy, £250 a year.
VERY quick at paying out, and £1000 for a broken bone (arm/leg etc)
It's valid throughout all the commonwealth and USA (and other places) for virtually any activity - you'll be covered day to day as well - but not for war!
Do a search on here for it (we've spoken about it before) or Google them.
