Decided to buy more than a Medjet evac policy for my recent trip to Austria so after perusing Squaremouth and such, randomly picked a policy from UHC. Good thing.
First my wife and I needed a doctor in Vienna who conveniently made a hotel call. Then in Salzburg my wife was still ill and the hotel said instead of a doctor, they recommend going to the ER. Which turned out to be fairly OK for such a visit, better than most of the ER experiences I've had in the States (and substantially cheaper although we had to pay on the spot).
So claims filed upon return, had all the necessary receipts and invoices. And then UHC says hey that's fine and everything but we need proof that you were actually in Austria. Oh, you mean besides the dated and itemized invoices and credit card receipts? So we sent them airline itineraries, boarding passes, a Bayern Pass train ticket, a little blurb about how Medicare doesn't cover expenses overseas. And I'll be darned if a check didn't show up in the mail yesterday.
So yes Virginia, sometimes insurance pays claims.