I had a scooter accident in Thailand in April. Spent 6 days in hospital, which included surgical repair with plates and screws. My insurance company was fantastic. They actually sent payment prior to surgery. Apparently the hospital sent a quote and the funds were transferred next morning. They also spoke to me directly to make sure I was happy with the hospital the paramedics used and the surgeon. If not, they were happy to transfer me somewhere nearby. I was amazed at how on top of things they were. I'm traveling alone and it honestly never felt like it. The company is Genki and I highly recommend them. My bill was 21,000 CAD. Also. I had a root canal about six weeks prior I paid upfront for and submitted the receipt online. While in the hospital they reimbursed me 100%. That was 800.00 CAD. Definitely check them out.