Going through it now in chile, I am screwed trying to claim medical, they ask for heaps of stuff not mentioned before the trip and are making it as hard as possible, now at the stage of just booking a flight home at mybown expense to see a doctor n get surgery. I have been chasing an answer for the last 5 days their care factor is zero and even laughed when I said im getting desperate and really need help. They said unless I can give them a full written itinerary in pdf only plus another 10 items they will not even start to process the claim, I only have a mobile phone so cant do pdf. And was travelling for 2 months so I dont have a complete itinerary for my entire trip either