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Help! Travel insurance

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I am looking into getting travel insurance for the first time and, even after reading other posts on here, I could still use some advice from all of you! We will be taking a trip in September for 3.5 weeks to Spain, France, and Amsterdam and we are 25 and 27 years old. I realize that I have crossposted this on the Asia board, but I read in one post that the Asia board is an expert on the subject. I am interested in getting insurance for trip cancellation, as we have prepaid the flights and apartments, and possibly medical coverage.

I called my insurance and I have international coverage as follows: emergency care is covered as in-network and they pay 90%, and non-emergency as out of network, where they pay 70% I pay 30%.
My fiance's medical insurance: He has international coverage for emergency care only.

Our credit card says it will cover lost luggage, accidental death, loss of limb.

I have begun looking at a variety of websites, (squaremouth, insuremytrip, Travel Guard, Allianz), but just want to get some feedback on what I should be looking for. With my own medical insurance, is that enough or should I obtain additional medical insurance? How much should I be insured for/what should I look for?

Should I skip additional medical insurance and instead get insurance for medical evacuation, one that will allow me to be brought to any hospital of my choice such as Medjet Assist? (I know that I need to read the fine print on this :) ) Should I also get medical repatriation?

I am not looking to get insurance for preexisting conditions as we are both pretty healthy and we made our first deposit a few months ago.

I don't think we are going to get an annual plan because we may only take one other international trip this year.

Thank you in advance, I am quite unknowledgable about insurance in general so this process is daunting.

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