One has to be very careful with this kind of insurance. For example, many policies might cover the expense of getting the insured to a more comprehensive hospital back in the US, but not necessarily to one back home--that is, they will cover you only to the nearest facility or their choice of one. Other policies might pay your fare for a flight home, but not cover the expense for any medical personnel required to accompany you--even if medically necessary. They might cover the cost of a seat on a commercial flight, but not for an air ambulance.

Always ask for a copy of the fine print and do not hesitate to ask questions. And be sure to get the answers in writing!