We used Travel Guard recently for a trip to S. Africa, Botswana and Zambia and my husband got sick in Botswana and had to be flown to see a Dr. there and received several injections and other medications. Altogether, it wasn't too expensive and we kept all local receipts which we sent in to Travel Guard upon our return and were promptly reimbursed. Even though all receipts were in the Botswana currency, there were no discrepencies in their calculations and ours.