Thanks for that Fred, i will look him up but i would not be taking out any cover until i am permanently living there which will be in 2 years time, i an just getting ahead and planning in advance.
With the amount of physical exercise i do i was think more like knee or hip replacement in years to come. Looking back both my parents were in to health and fitness and both have had knee or hips replaced solely due to this. Both are in there late 80's and are in amazing condition for their age so the benefits out way the negatives in my opinion.
Saying that you never know what you are going to get ill or die.