I have recently had two VERY bad experiencew with AccessAmerica Travel Insurance. In both cases none or only partial compensation was paid on the claims. The fine print identifies LOTs of exclusions to coverage. This is a shyster outfit. The amount of documentation they seem to want AFTER they get your money is amazing. They won't do any of the work like call your doctor to confirm that the Doctor's report is really the one he submitted. The want you to verify it again IF they didn't lose it in the first place. Travel insurance, especially if a health issue is involved, is worthless. Beware the fine print, they don't cover much.