If you have a serious medical emergency be sure to ask to see what the doctors have written in your medical file. What you say and what they hear and write down could be very different. Better yet ask for copies. Clarify and ask for changes if necessary. This goes for anyone who records information in your medical file.
We don't travel unless we have not been to the doctor for 90 days for anything. 90 days stable clause. In doing so our medical records are stable for the 90 days. We have changed our departure dates in order to meet this stability clause.
We have had minor emergencies handled with ease. Sent in claim and check arrived quickly.
Also get a copy of your claim form BEFORE you travel to make sure you have the information you need to file the claim with you. If you are away for a long period ( snowbirds ) you may need to send the claim from the US. Be prepared.