My wife and I had to use the doctor while on vacation and Nationwide did pay what my primary medical insurance did not cover. BUT I did not like is the paper work required. Here is an example of what they asked for: "...flight booking confirmation with dates of travel, cost and proof of payment which identify you as the traveler and document your entrance into and exit from the country or countries where medical services were received..." my first response was how the heck to I do this! I ended up sending the receipts from the airlines and that worked. The also wanted the EOB from my primary medical - once they got all of the info they did pay out just a few days later.
Just a lot of electronic "paper work" to get there.
Richard G. would
recommend this plan to a friend or relative.