My husband and I are trying to find the best plan for our needs. We have 3 upcoming trips between November, 2017 and April, 2018 to the BVI and St. John.

We believe we want/need only evacuation insurance in case of a medical emergency as we both have BlueCross/Blue Shield with out of network benefits.

We think we have narrowed it down to one of the following:

1. MedJet Assist for a 1 year plan at $395. (Allows us to evacuate to the hospital of our choice and is completely at our discretion. Repatriation included.)

2. GeoBlue Voyager Choice for 3 individual trips at $68.20/trip. ($500,000 for evacuation (as secondary) at the discretion of the attending docs and insurance. Repatriation included.)

We both work in healthcare and understand the risks of being able to choose our own hospitals and physicians. But, we know nothing about care in Puerto Rico. Is care there really that questionable? Anyone have any direct experience or know of experiences?

Such a tough decision to try and do the right thing.

Thanks in advance!