Just to be clear all insurances are scam (may be except car insurance). Some are less scamy some more. Trawick is standing on top of the game to scam and defraud. Bough insurance for my travel to Germany. Had minor medical accident with my wife. Filled claim in Dec 2024, after numerous phone calls (totally useless and very inventive in terms of BS) found out that the claim was not reviewed in April 2025. So, do not bother. I would say dont bother at all since medical services in Europe are very cheap.