Ok so, I really want to do this right. I would like to buy travel medical insurance that pays the hospital/ med centre up front and is accepted in the Dominican Republic. My husband and I both have coverage with our work but I don't feel they are adequate. I have already purchased our trip through Expedia and I am not an RBC so I believe that limits us from purchasing RBC insurance as it seems many people here recommend. Can I buy RBC insurance only at a travel agent or do I have to purchase the trip their swell. Can anyone recommend an insurance they have had to use in the DR that was accepted and if they would pay in case of a hospital stay or Ar Vac upfront. I know I should start calling the trav ins companies and asking but I always feel like I am getting the run around, I would just like to narrow it down. The price is really no object but the best coverage with pay up front is a must.
I have read almost all the past threads... I still feel like I am playing russian roulette with insurance. Any comments especially from one whom have had to use their plans how they worked out,