I use Travel Guard and have read the fine print very clearly and they seem very comprehensive. They will even send you home if you have a dental emergency such as falling and breaking your teeth. They will also fly you the the hospital of your choice. Not the closest. My husband likes it because they will fly " you and a companion not necessarily a spouse" home with you. My husband loves that part because he said I can go home with a friend and he can enjoy the rest of his time in St. Maarten. The crumb .....ha ha <img src="http://www.traveltalkonline.com/forums/images/graemlins/Yikes.gif" alt="" />