Insurance companies should have to do their homework before you go on a trip, so that you know that you are covered. Basic premise here; if they take your premium, then you are covered, it's as simple as that. If they want to check your health record, they have to do that before they take your money and reject you as a customer before hand, not after you get sick in some foreign country and get stuck with a huge medical bill.
Idea No. 76