I paid for this insurance for my daughter because she was going to take a short term job as a traveling nurse. She was in the Virgin Islands working and got very sick from the water. I called and the guy on the phone said that she could go to a doctor because they had no emergency clinics in the VI. These doctors serve as emergency doctors and take patients first come first serve. I even got an email from HCCMIS agent telling me which one she should go to and that she would only be liable for $50.00 deductible. She paid the total... read full review »