Went to Bali twice this year. Covermore did not want to cover my husband who has had two major heart operations, a stroke and prostate cancer. After the first trip there was no problems so for the second trip we had to pay extra to cover him. On previous trips we needed a doctor for myself, rang Oz who told us to stay in the hotel and a doctor who be around. He came at 6pm so we lost a whole day. This last trip in June we went to BIMC believe me this is all you need. If you are sick get a cab and go there. First class treatment.When you make a claim just be sure of the exchange rate. Get confirmation from the bank of the rate the day you pay the bill.submit this to the insurance Co. otherwise they will pay you a higher rate which means you get less back.