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Just thought I would pass on my recent experience...We recently filed a claim with Travelex for medical expenses incurred on a Caribbean cruise (our policy was travel select). My husband broke a rib and was transported to the hospital via ambulance, treated in the ER and released. I mailed the claim and required paperwork on April 13 and today received a check for full reimbursement. I think they may have been a little more expensive for coverage but I will definitely use them in the future.