Yes Carol we are out of the US for several months each year, and we have Medicare, but want that primary emergency coverage since so many medical facilities are private and/or require funds upfront. And not only are high medical/medivac coverages important to us, but quality of service as well. We’ve had real medical emergencies on a few occasions, and Allianz has been excellent in taking over the cases immediately and working directly with the hospitals. We’re trying Trawick this year (Nationwide is the underwriter) based on good feedback, and hopefully won’t need the insurance, but if so I hope they are up to that same standard.

Regarding the trip coverages I agree that is chicken feed in comparison to costs associated with a medical emergency. But with the tightening of airlines in recent years that coverage has paid for several overnights in beautiful Detroit and other winter wonderlands due to connection woes. Hotels, dining, transportation, and of course costs associated with missed accommodations and car rentals. These comp policies all include those basic coverages of course. But because of those we are ahead of the game for a few years yet…