They have done everything they can to not pay. They have requested the exact same forms multiple times. Their software says they received it each time. Then I get a request for the exact same item over and over and over. They would not accept a 3 page document from an Urgent care. My husband had to go to his Primary Care before traveling and get a letter from his primary care physician. They say that letter is not enough to prove he could not travel. I thought after sending the same documents over and over and over that they would pay. Then I got another request for a document I have already sent multiple times. DO NOT PURCHASE their insurance you will not get any money back.
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