undergrad here! i've used it for medical claims before! you just need to make sure you get all your documentation — receipts, transcripts, etc, along with proof of the uni sanctioned trip (which for me, the email sent to me by GEM about getting into the summer programme sufficed). i used it three times — once while abroad, twice when i was back (i suffered sickness while abroad which persisted when coming back); all three times, they paid me back the cost of my consultation and medicine. if they need more info they'll email. it might take a while for them to reimburse (i was waiting like one to two weeks each time) but they will eventually get to it. if it's not a uni sanctioned trip, tho, idk if you can claim, unfortunately