I submitted all my receipts for my 2 Doctor visits and 2 Labs when I had an issue in St Maarten and got my check yesterday. All they did was deduct 3 $15.00 copays. Glad I took the time to do the paperwork.
gracie--Please check out TTOL sponsor Insure my Trip. You can compare various insurance plans side by side and get what is most important to you. Click on the sponsors list.
