Scubaman - At the time, all I wanted was for ER to help me or the first flight home. The travel insurance coverage was not on my mind. While we were in ER, my wife called the insurance provider to advise them of the situation, and they provided a claim number. Early notification of a claim is important. I wouldn't say to an ER doctor, "Just let me check to see if I'm covered before you try to make me better." It all worked out well.