My wife fell and broke her shoulder while we were in Phuket, Thailand. She required shoulder reconstruction at a Thai private hospital. Absolutely first class care.
We paid for it up front with a credit card and filed a claim once home. Absolutely no problems with the insurance company. They reimbursed us for all of our costs (doctor, hospital, surgery, physiotherapy) promptly after I filed our claim.
All in all a bad situation was made somewhat better because of the no hassle process with the insurer.
D. Coates, Nanaimo. BC