"Insure My Trip" is a TTOL sponsor, and they provide full travel insurance, not just medical evac. Medical evac is very important, as it can cost $50,000 and up, but if you're going to buy travel insurance, it's better to buy insurance that covers medical care AND other travel related issues. Insure my Trip allows you to compare several travel insurance policies side by side, to determine what works best for you.

As far as "out of network" coverage, our medical insurance has EXTREMELY high co-pays and deductibles, if we go out of network.