Day-to-day cover lets you claim money back on everyday expenses, such as visits to the GP, physiotherapist, dentist, alternative practitioners, plus consultant and A&E visits. Before you take out cover, you should calculate the cost of these types of visits, against the overall cost of the plan. A good rule of thumb is, if you visit any of the above more than 5 or 6 times a year, it’s cost-effective to have this covered under your plan.