We Had AIG Travel Guard in 2008 when my wife came down with a severe asthma attack and spent three days at Celebration Hospital. They paid the deductible, increased cost in airfare, my extra hotel fees with no questions asked. I was able to document all expenses, plus the illness. About $2000.
Their contract is pretty clearly laid out before you buy it but you have to read it to make sure. Their are various levels of insurance.