In the two decades we've had MEDOC we had one major claim just under $35 000. The Italian hospital did not have an MRI to conclusively show spinal damage. In the end we flew home without the signature of a doctor.
We'd been independently touring Italy for two weeks prior to a major cruise from Rome. Bob chatted with an expat while I was in the ER and he warned him not to allow any operations as there'd been newspaper stories of scandals. And this was in Milan, a quick ambulance ride from the Cathedral.
The rules are clear, but we were so desperate we knew we could be in trouble with the claim.
The MRI from our hospital and signatures of the orthopedic surgeon were adequate.
Most costs were quickly recovered and in the end each of our return airfares were recovered. Initially they argued that if I'd needed my husband as an attendant they'd have sent one - hardly a cost saver.
Only age increases annual costs as we now limit our trips to under 40 days.