I had a policy with Global Rescue last May for trip to South Africa and will have one this summer as well. Took awhile for me to decide which company to use and the AR thread made the difference. Would not go that far without it. I've been in a foreign company at the mercy of "social medicine" and without an advocate you are screwed. Fortunately for me my wife was with me and between her and my company medical people I got home ok. If I had been alone I don't think I would be here typing this.