Thanks for the info folks, but unfortunately some of the ideas are already out of the window for me: I paid for the tickets with a debit card, so no go with that. I\'m not in the UK and I\'ve not seen a Boots in WA. We do have HSBC accounts here in WA and the Isle of Man, so I\'ll take a closer look at that.
Graham, did your insurance specify Mindanao as a no go or the Philippines as a whole?
I found a site called World Nomads, for 4 month family cover underwitten by Lloyds it\'s AUD$648, it\'s recommended by Lonley Planet if that\'s any sort of indicator?
I guess I\'ll keep looking on the web, something better/cheaper may turn up.