I had to file a claim for some minor medical expenses. It took too long and they wanted denials from my domestic health insurance, but waited weeks to ask. I protested through Insure My Trip that Medicare and United Health care don't cover such things and that I should not have to actually file claims based on this common knowledge. I was eventually reimbursed, but they took forever, even farming out translations of simple documents that they ought to be able to do in house.