David
Hardly generous, slow processing times, but basically fair
As a US citizen abroad I have used their travel health insurance for years. During that time I submitted a few small claims for treatment for minor conditions. Most of the claims were paid out. One was denied, in my opinion unfairly, but they claimed that health issue was not covered. The most recent claim was approved as well although it took nearly 5 months for them to process it and submit payment. In my experience, the company will pay out legitimate claims while looking for any excuse not to compensate you for services rendered. They will interpret their own terms and conditions very narrowly, so read the fine print and don't expect any exceptions or leeway. I cannot speak to their record on reimbursing for significant covered medical costs as my claims were all under $200.