Great question SnoopysMom....No we have not and hope not to, as our insurance is for major medical issues. Everyday things we pay cash....It's affordable and easy to access care. However, before signing with IMG we did contact the medical facility in Merida as well as other people who have used the insurance there and the clinic in Belize city. In Merida they can get per-approval for care and in the Belize City clinic you pay up front and then are reimbursed after the deductible is met....Hope that helps a little.
AmbergrisCaye.com 
