I love that IMG has such high limits and adventure coverage, but I’m a bit nervous. Does reality actually match the brochure? I want to know if their claim approval process and provider network can be trusted, or if there are any hidden exclusions I should be cautious about.

What emergency medical expenses (ERs, ambulances, etc.) does the Travel Guard by AIG Journey Protector cover in Spain (as I am traveling there)? Does it require upfront payment and later reimbursement?