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Travel Insurance Fine Details

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I've just spent an hour or so reading the ugly fine print on these various travel insurance plans. Although on balance you may get coverage of similar value for cost, the actual details are all over the place. For example, a plan I was considering, MH Ross, covers only $500,000 of Med Evac -- But to hospital of choice. Other plans of similar cost cover up to a million of Med Evac, but only to closest hospital -- probably fine in the alps, but I'm heading to Africa, so....

And Hospital of Choice means different things too. I've only found one carrier, Medjet who lets you go anywhere you want, with the sole condition that you are hospitalized where you are. All the others require agreement between the local physician and someone with the insurance company who have to agree that you need to be moved! Phew!

So now I'm considering buying a full year of Medjet for $260 and then getting basic trip insurance per trip. Any other thoughts? Any ideas I might have missed?

Many thanks!

TF

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