Can anyone advise on decent travel insurance?

I want cover for three months but I might stop longer so can anyone advise?

Also I want anyone to advise on

I want a policy where they will treat me without me having to hand over cash before I get treatment (excess)-(I hope you know what I mean)

I want to hear peoples advice/opinions on their travel insurance good/bad?

Thanking you

Hi. There is a great website that will help you just key in
www.MoneysavingExpert.com.
It doesn't get better.. Best wishes.

Klewless