Don't know too much about Universal. I have Humano Max Individual going on 9 years, and have never had a problem. It's actually better than my State side insurance as far as nationwide coverage. As mentioned above, check the facilities that are close to where you live, will be staying, or visiting, and check to see what they accept. Not only if they accept the coverage, but what amount they cover. Some places will tell you they accept the coverage, and that coverage will pick up 100% of the bill, while others may cover only 25%. If children are involved in the equation, you may want to consider the plans with meds included, as those costs can add up.Universal, Palic and Humano. All are good. Check to see if the facilities you will be using will accept the insurance you choose.
Also, many plans have regulations regarding how they cover an insured woman in regards to pregnancies, requiring the lady to be with the insurer at least 1 year before they will cover child births.