Hello all, I travel 4 times per year intentional, mostly to Europe or Japan. I don't engage in any risky activities, just sigh-seeing, museums, good restaurants and back to hotel by 10 pm. I had a kidney stone surgery 5 years ago in Denver (my home city), and I am worry if the kidney stone comes back while I am overseas. I have good medical insurance from Anthem in Colorado, but when treatment is required out of state or overseas, it is so complicated to get reimbursed. The medical invoices/bills have to translated to English before my health insurance company reviews. I ran to this issue, when I got sick in Lisbon a few years back, and it took a very long time to get my health insurance company to reimburse for what I paid directly to the hospital in Lisbon (less than $500.00). Do you have any suggestion which company provides good medical insurance overseas as primary insurance? .Thank you.