you have been told correctly. that's what my insurance company said. get at least the treatment in english because medical codes are different. and have them put the amount in US dollars. they weren't just talking about Aruba, they said this applies to any country you're in. She said she doubted any country would take USA medical insurance. all i know is I feel much comfortable now. We are getting older so the carefree thinking I had before doesn't really apply as easily any more, lol. my friend & i had lunch today. we are the same age. i said when did we get old, lol?