Always ask for a sample of the actual policy, not just a description! That is exactly what I did. Then read the relevant section; the key language to look for, as Carol hinted at, is whether it covers "repatriation." If it covers repatriation they will get you home. They may direct you to the nearest facility, first, for immediate attention, but if the coverage does not include repatriation then that is all they will cover if you require continuing care. If you are discharged or have recuperated, of course, you just have to continue on with your trip, unless you also bought trip interruption insurance.