Recently i had to go into to the skin doctor in south korea for something quite routine . HTH Insurance took care of everything for me (set up billing so i don’t even have to worry about filing a claim) . This is also quite great because the doctor i am seeing is quite expensive in south korea and charges around $80 just to see you so i basically got the best doctor in the hospital (head of skin care). It only took me 2 minutes to setup pre billing with HTH and the doctors i got to see were amazing. I am not getting paid to give them a good review you can trust me on that. I recommend HTH Worldwide Insurance if you are travelling somewhere as they will take care of everything for you with ease.