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Travel Insurance

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I need annual medical evacuation insurance for 2012, several trips in Europe and central/ south America. Probably the longest will be 90 days or less because that's the limit of the insurance policies. It looks like either Travel Guard or Medjet Assist. The price is almost the same. Has anyone comments on either of these? Have you used them? You only find out how good these things are when you actually have to claim. Good or not so good ? Thanks.

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