International Medical Group Insurance Plans, High Premiums and 6 Month Wait

I paid a premium for months, but once I actually had to make a claim. Obviously it was an emergency. I am always away for the summers, but I had to fly back to the states. It was hard enough to get ahold of an agent, but when I finally did, I was told that it was going to take 60 days for it to process. By then I would have to go back home anyways! Absolutely useless.