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Medical Trip Insurance: To Buy Or Not To Buy

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Hello Everyone,

I hope I don't get busted by the moderators for posting a general topic on the Asia board, but since 1) I travel almost exclusively to Asia, and 2) there are so many smart posters here, I thought I would give it a go.

Anyway, I fess up. I have never bought trip insurance, mainly because our family always travels on mileage awards, and generally, we stay at hotels with refundable deposits. However, I feel that I am pushing my luck with the medical gap between our family policy (US), and any emergencies that may occur. I called our health insurer, and I got a vague answer about helicopters and such being covered, but there is no provision for me flying home earlier than expected.

So my question to you, is: What kind of medical coverage does travel insurance cover that a US health insurance policy does not? Is it possible to get only medical coverage, and not coverage for flights and hotels?

Thanks a bunch. I am headed to Poland and Romania in September, which is my first trip out of Asia in ages. I need coverage in case I get trampled by sheep in Romania.

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