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Travel Insurance Question

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I just purchased travel insurance for our upcoming family vacation to Germany. The main reason I got it was for trip cancellation. I also like the idea of lost baggage coverage, but I suspect it would be very difficult to collect on if it was ever needed. Also, it has some medical insurance that would kick in if our primary insurer refused to pay. I do not know how valuable this is, but since we will be travelling internationally and it was included, it did not seem like a bad thing.

My question is about a medical upgrade they offer. If I purchase this (for $25 per adult) it would make this policy my primary health insurance while on the trip. I would not need to argue with my insurance provider when I got back, but could make my claims directly to the travel insurance provider.

I am relatively young and in good health. My wife and children are all German citizens and probably do not need the medical coverage in the first place. If I opt to get this coverage for myself, I must also get it for my wife, so the total cost would be $50? Does this make sense for me? Are these medical insurance policies really any good?

The travel insurance company is Travel Insured International.

Thank you in advance.

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