Which plan do you have?I have a yearly travel insurance plan that covers just about every contingency including hospital stays, medical evacuations, evacuations from war zones via armed security forces and little things like trip delays and lost luggage.
I've used it a few times over the years and won't travel without it. Bag lost when attending a conference in Bali? No prob, I can go buy new stuff and they cover the costs while having a concierge call/email me every couple hours about the status of my bag while simultaneously hounding the airline to get it to me (exact same thing happened to me in Barcelona another year).
Puking my brains out and unable to keep down water while in Sydney? I call a hotline and an hour later a doc shows up to my hotel with Rx meds. Did the same thing in Amsterdam, except they called ahead to a clinic a block from my hotel.
GF unable to keep down fluids while in Lima? Less than an hour later a Mercedes shows up and whisked us away to an expat hospital where an English speaking doctor was waiting for us.
Connecting flight in Tokyo cancelled because weather? Cool, I'll expense a 5 star hotel to the insurance company and have a per diem for food in addition to the one my company provides.
I dont think there has been a year in 5+ years of having the policy that it hasn't paid for itself and then some.
It's nice not to ever have to worry about dealing with third world medical systems or a medical evac that can easily cost hundreds of thousands of dollars, but the convenience factor for smoothing out normal travel BS makes it worth it by itself.
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