Here's the handbook for the policy he bought: https://www.insureandgo.com/media/1228/iag_mf_pw_adv_0518.pdf https://www.insureandgo.com/media/1228/iag_mf_pw_ad

Here's the handbook for the policy he bought: https://www.insureandgo.com/media/1228/iag_mf_pw_adv_0518.pdf https://www.insureandgo.com/media/1228/iag_mf_pw_adv_0518.pd... Page 20 says: What you are covered for We will pay up to the amount shown in the table of benefits on pages 4 and 5 for any costs for the following that are reasonable and necessary (see definition on page 14) as a result of you being unexpectedly injured or ill during your trip. 1. Emergency medical, surgical and hospital treatment and ambulance costs. It also says: Special exclusions which apply to section B We will not cover the following: 2. Any treatment or surgery which we think you do not need immediately and can wait until you return home. Our decision is final. 12. Any medical treatment that you receive after you have refused the offer of returning to your home area, when, in the opinion of our medical advisors, you are fit to travel.