Carol I agree the the air evacuation clause is worthless-if you want to return to the USA. My wife and I decided last weekend we are going to do our annual month starting January 17th. We went through the negative covid test and the $30 insurance requirement. Tonight while reviewing the list of benefits; medical evacuation is to the nearest qualified hospital to prevent loss of life, up to a maximum of $20,000, provided the patient cannot be treated locally in St Maarten. All other benefits covered under this insurance are terminated automatically if the nearest qualified hospital is in the insured person's home country. We know of several people that over the years had to be evacuated to the USA and the cost was way above the $20,000. Does the nearest qualified hospital mean you could be dropped of on a nearby island? Another money maker for someone for sure.