thats not down to Axa or monzo though its down to airlines profiteering from supply and demand 
as I say very frustrating when you just want to relax on a holiday that you’ve been looking forward to for a while - however £250 for a delay ( you dont say how long ) for me would be OK
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It wasn’t a delay as such,the flight was cancelled and we were not offered an alternative flight from BA,they did have flights leaving on the Monday but we were not offered the seats and if im honest was worried the same might happen on the Monday so just booked on Aegean to Athens and then a ferry to Santorini with 2 days holiday missed
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All credit to BA they were brilliant eventually, I am still certain that i can get better quality of insurance than monzo premium offer. I certainly will not buy couple’s insurance next time if they only pay out on 1 trip,best to get separate yearly insurance. The only way i could be tempted back to monzo premium is if they offer breakdown cover!