If I could rate my experience lower than one star, I would. Our experience with this insurance company was extremely disappointing. We had a medical emergency involving an elderly person for whom we had purchased the highest level of insurance. Despite the severity of the situation, he was instructed by their 'medical experts'—who only assessed him over the phone—to travel home as soon as they could get him out of the country. This plane journey posed a serious risk to his health. Over the past nine months, we have faced numerous challenges with the company's customer service. We never had a consistent point of contact and could not locate any case manager. After all this time, we were issued a reimbursement of $900 for a claim that exceeded $30,000, without any explanation of how this amount was determined. Attempts to seek clarification through emails went unanswered, and all phone calls were directed to a call center where communication was often difficult. This experience has been incredibly frustrating and stressful, far more so than the medical emergency itself. I cannot recommend this insurance company based on our experience. Proceed with extreme caution if considering their services.