Ok here we go. This is from our experiance as good as I remember, and 2 years ago, so no guarranty:
We took it for our trip, we are Germans. No German Health insurance needed. The insurance is valid all over the world except Germany, USA and Canada (US and CA you can request seperatly at a horrendous price)
The Puls membership gives you a discount, we did it because it pays out as soon as you take two travel insurances.
Each case which you report (hopefully never) has a self "payment" of 50EUR. So no need to report if the cost is 50€ or less.
Fast response, we didn´t had any problem with them. Except when we wanted to prolong it they didn´t allow it because 1st. was too late (you have only some days if expired, OK our mistake) and 2nd a new one you can only get in person, in Germany at their offices (which are everywhere in Germany).
Hopes that helps, we took then a different one, there are plenty good ones and ones where you do not have to pay the first 50€ by your own.
Hope that helps, like I said this is from my memory without guarranty.
Have a safe trip!
Cheers
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