My parents are visiting from India, and my mom took travel insurance from India to cover her for the duration of her stay in the US (4 months). While here she developed back problems and we wound up taking her to the ER and urgent care several times, with the assumption that insurance will cover all but the deductible. However the hospital has advised us that we have to pay them the entire amount and then we must seek reimbursement from the insurance company in India. I m worried because the bill is several thousand of dollars, which we can barely cover and I m worried about how difficult it will be to get the reimbursement. When we did this the other way around, we were in India and needed some minor but urgent healthcare we also paid up front. Upon our return reimbursement was made so difficult by united healthcare (months of sending them documentation and figuring out applicable codes) that I just had to let go of the idea of reimbursement, which was just a few hundred dollars. Anyone have experience with Bajaj travel insurance? Any travel insurance that you recommend where we would not have to pay up front?