Oops, I've just put a small claim in with them, let's see how that works. I must say that I haven't had much fun with the emergency number, ended up in a long waiting loop and gave up. But: emergencies are handled by Mondial Assistance, not WN. I think many, if not most insurance companies use MA, so you will probably get the same deal from them.
If you are rootless you have to ask yourselves: where can we get medical treatment without having to pay for it. Because, in an emergency an insurance co. may want to evacuate you to your country of residence. From the moment you have landed they stop paying.
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