I need to buy a 6 mo. or 1 yr. travel/medical policy for my elective residence visa appt. coming up. I have been researching different companies (IMG, Seven Corners, Travel Guard, Allianz, etc) and I am seeing nothing but negative, scathing reviews for all of these companies. Has anyone had an experience with having to submit a medical claim with a travel/medical insurance company where there was a positive outcome? Any recommendations? My goal would be for this to tide me over until I can join the Italian national health care system. Hopefully I will not need to use it but I know I need it for the visa and also for peace of mind and in case something unexpected happens.