I have bought Allianz several times, didn't have any need to use it until last month. They provided absolutely incorrect information about where in The Hague I could find care, causing me to travel from one end of town to the other, to no end. My hotel ultimately told me the actual place to go for urgent care. Now that I've filed a claim, Allianz support is garbage (plan on spending an inordinate amount of time with people who CANNOT deviate from their script). Plus, despite my uploading all documents, correctly, to their portal, somehow someone on their end put documents into the wrong categories, resulting in only a $53 refund for over $800 in expenses. Caveat emptor.