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I bought Medical Travel Insurance
I had a medical emergency the day before I was to fly home and they identified an infection in my gums that caused immense pain to my temple, eye and ear also.
They extracted my Molar and told me I would be risking possible hospitalisation if I was to fly the next day.
The following Day the pain continued and I returned to the clinic (recommended by Oncall of Tokio Marine) - each step I was reporting to Oncall for their advice and keeping them up to date.
I had a 2nd tooth removed and a Gum Irrigation procedure to treat a gum disease which had infected and was the cause of my pain. It was 21 hours between when the pain began and when I bega treatment.
The Doctor advised there was no way I could fly for 48-72 hours after all that had been done and provided Certification.
I advised Oncall (Tokio Marine) with the claim reference number they had issued on the first phone call, they told me to advise the airlines immediately of the 2 international flights I had later that day.
1 day later I called Oncall to see what other documents I needed to present to activate my insurance, they said they are only a 3 es party service provider and would have to speak with the administrator of the policy (Tokio Marine). I asked them to send the information filed under my claim number but they said they had no information at all.
I spoke to Tokio Marine they said I needed to fill out their online application to start the claim. I asked about my flights and spending money as I am visually impaired (legally blind - 25% overall vision and complete loss of central vision) they said that any claim would not be analizas until the online application and relevant documents had been received and then 48-72 hours for them to enter system.

I spent 9 hours ina Staples store being assisted to scan and print emails as PDF documents of receipts paid for dental treatment, travel to and from clinic, flights and over the course of 2 days was able to submit the online claim. - nearly 200 pages in total with all email and sms correspondance of the information I had been given and my updates.
I then rang Tokio Marine to see that they had received my claim and they said it would not be into system for 48-72 business hours (I believe she meant 2-3 business days) I then explained that I was urgently needing money to change flights and have personal funds until first flight available in 3 days. They said it was impossible and would take 35-40 days to analiza the claim and they would communicate with me.
Am stuck in Miami, waiting to return to South America, made contact with an old client (by luck) who emptied out a deposit for me to be able to sleep in.
I am working in his factory 4-6 hours a day to have enough money to eat until my flight out, with my visual impairment.
Overall, EXTREMELY disappointed should NOT call it Travel Insurance. Paid extension
Go to hospital and let them evacuate you, do not try avoid costa for insurer, they do not think of you.

we did end up making a claim (on a Sunday afternoon)- they processed it quickly and communicated with the hospital very well.