I had a terrible experience with this company, I was in a hospital in Mexico and they sent two guarantee letters to the hospital for my insurance so I could be seen and treated. The bill was coming to over $2,500, then after I had been seen and waiting for payment to be sorted to the hospital I was told on the phone I am not covered, I had endless arguments with them from 2am in the morning (this was when I was discharged from hospital after being on a antibiotic drip for 5 hours so I was exhausted and sick) to 9am in the morning, 7 hours!!! After endless arguments and stressful phones calls for 7 hours they confirmed they had made a mistake and then paid the $2,500 bill, this still took 1.30 hours after them agreeing they had made a mistake! The stress and discomfort this insurance put me though makes my stomach turn. They wasn’t going to pay out only I wouldn’t put the phone down and wouldn’t back down! I have never experienced a more frightening time and this insurance did not do there job correctly as I was sitting the the hospital not well, uncomfortable and scared for 7 hours after I had been discharged as they had made a mistake with the insurance!!! Bare in mind this was after them sending two guarantee letters confirming I was insured and the bill would be paid!! I will be looking into this with a solicitor as I am disgusted with the way I was treated!! I was left in a hospital with only 2 people who could speak a little English getting told I can’t leave untill I pay $2,500 as my insurance is not paying out!! After the guarantees letters had been sent. This was the insurances fault and it was one of the worst and scariest experience i had been through. Would not recommend.