Heading to Spain for 5 weeks and was thinking I should get medical coverage for the time overseas. I don't need trip insurance as most of my reservations allow free cancellation. I started to go down the rabbit hole of looking at the various agencies out there that provide medical only insurance and of course there were lots of negative reviews. I am wondering has anyone had to use medical care while on vacation in Europe and what were your experiences getting the insurance company to cover the expenses?
I appreciate honest feedback.
thanks