This is my second travel policy through Trawick, and fortunately I have had no health incidents requiring my "testing" of this coverage. So my satisfaction with the plan is totally hypothetical at this point, based solely on the coverages. But I can say that the most important reason I chose this plan is that it is primary coverage of costs while traveling, not something that kicks in secondarily after my own (high-deductible US plan). In fact, the coverage by Trawick appears to be better than my plan while I'm home in Oregon, and less expensive. Thanks!