That is an important point, yes. Fortunately, for us, Miami is a decent fit for us. It really depends on the terms of the policy, which can be very different. That's why I like to use Insure My Trip, can look at very specific things like that and compare different policies.

As always, if you use the link to Insure my Trip here on TTOL, your cost is the same, and TTOL gets a small commission.