Sideface:invisibleman18: Southern Cross were good the one time I had to make a claim. Got sick in USA and ended up having to go to a Doctor and they insisted on mailing me an invoice even though I explained I would not be back home in NZ for another 3 months and could pay on the spot. My Mum back home received the bill and tried to pay it over the phone but for some reason the NZ credit card wouldn't go through so in the end my Aunt who lived in LA (who I was staying with at the time of going to the Doctor though by this stage I was in Europe) paid it with a US chequ and wasn't able to get a receipt. My Mum then reimbursed her according to the exchange rate on the day. When I returned home I reimbursed my Mum and wrote a letter to Southern Cross explaining all this, claiming for this amount and they paid out no questions asked. Thought I'd be out of luck without any form of receipt.
Don't get ill in the US.
A friend of mine broke his leg in a car accident in LA (not his fault) and required brief hospitalization before flying home.
The bill? - USD $60,000 - and that was 10 years ago. He was insured.
Minimum medical cover for the US should be USD $1,000,000.
Thankfully it wasn't that serious. Only food poisoning (probably from the buffet at Tropicana Hotel in Las Vegas) and the 2 minute Doctor checkup cost about $350 (and someone came to see me with all sorts of questions about whether I could pay and had insurance etc before I saw a Doctor). I figured it would just pass in a few days (it did) but my Aunt insisted on taking me to a Doctor and since I had travel insurance I thought it would be OK. Was all fine in the end, just a hassle to pay the bill since they wouldn't accept payment on the day. Doctor did give me a prescription for nausea tablets but they were going to cost $1000 or something insane so just left it.