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I would like to know what recourse I have to compel AXA PPP to pay consultation/tests costs. Their stance is: Your travel policy with AXAPPP covers only expenses incurred abroad as a result of the injury; any further treatment necessary as a result of said injury must be done in the UK under the terms of your UK medical policy with AXAPPP which does not cover consultations/tests. The problem is that the specialists in the UK that are now treating my wife must of necessity have a preliminary consultation, and, if they deem it necessary, carry out tests, despite the fact that they have copies of all the records for the operation she had abroad. AXAPPP offered us insurance for both travel and medical, under separate policies, and now say that as treatment is to be carried out in the UK - at their request, we must conform to the the terms of the UK policy, which does not cover consultation,etc.