Baymac
I had a few claims with Baymac and got my money very quickly. I think this is because the policy is Lloyds of London and Lloyds pays. I agree that Baymac should get Clements to offer everyone Non-US cover which is available for regular international insurance plans. I wouldn’t compare Baymac to Aetna as Aetna has a lot of hidden exclusions and I hear pilots get caught between EK and Aetna when neither of them want to pay. I agree that Baymac is more of a member service provider but they should try to get Clements to offer a lower alternative or look at other options from other insurance companies. I also don't have any children covered so no comment on that.