In September I was in Bali when I got hit by a car. Long story short I was insured by 1cover.
They covered all my expenses including Doctors/Hospitals etc and reimbursed me at my credit card cost.
they also reimbursed me for phone calls and use of the Premier lounge on the way home (for the rest of my family) after upgrading me to business class to make it a more comfortable flight home.
All this for $80 odd for a family of 4.
I wouldnt hesitate to use them again.