There are myriads of plans at myriads of costs and coverages. all insurance plans have a few things in common: First is the nature of the coverage. Is the plan a primary or secondary coverer? Primary plans, and most plans are NOT primary( including Trip Mate, save its cancel for any reason coverage ). this means that the insurance company may ask you for proof that your other coverage has paid first. This takes time in processing and receiving claims. Obviously, a primary plan will pay first and foremost, and you will have no difficulty in being paid rapidly if you have a claim. Also, obviously, you pay more for these plans. You can ask when you shop them.
Second, are the coverages specifically itemized, or lumped under an umbrella? Plans which lump coverages under an umbrella are less desirable, as they are open fpr interpretation when and if you have to make a claim. It pays to read the policy before you purchase it. Umbrella policies will let people think they're covered and then the purchaser may be in for a rude awakening when a claim is made. Policies which itemize the coverages specifically with no ambiguity would appear to be more favorable. But again, you pay for this security.
Third, evacuation is important if you need to be transported from wherever you are to a medical facility. But how MUCH evacuation coverage do you need? Will you need $1,000,000 evacuation coverages if you're taking a river cruise in Europe? Likely not, but if you purchase a package policy, you may be paying for something you will never need or use. So check the limits. The greater the coverage, the greater the cost. And a word about evacuation. Evacuation is NOT the same as repatriation. Evacuation is usually defined as getting you from where you are to a medical facility. It does NOT necessarily mean getting you home. So it's important to know WHERE the policy will pay to have you evacuated to. Most policies will pay to evacuate you to the 'nearest appropriate facility,' always defined by them. Some policies, notably Travel Guard, leaves the choice of facility to YOU. So if you have a Travel Guard Policy, YOU can tell them to evacuate you to afacility in America, and it's covered. That policy combines repatriation with evacuation. Again, obviously, you pay for it.
So buy the policy you you feel comfortable with. But don't overspend. You can shop your own policies using a common website www.insuremytrip.com and compare the coverages of several companies as well as the limits of each. a good alternative is to contact Dan Drennan at the Travel Insurance Center. They're a brokerage for travel insurance, which has been lauded in virtually every issue of International Travel News by scores of clients as well as the editorial staff. You can reach them at: 1-800-786-5566. And in particular, if you only want health insurance, ask them about the Betty James policy, a unique and cheap health insurance policy for travelers. Or if you don't want the health insurance, they can sell you policies not generally known by the public which voer things like baggage insurance and trip interrpuption.
Whatever you do, unfortunately, if you're Medicare eligible, as others have asserted, Medicare does not cover you abroad. So if you want protection, health insurance is a must.
We usually shop our policies, and we never take the same policy for each trip, because the demands of the each trip are difference, and the potential losses are different. You don't get to make that choice when you purchase the Grand Circle Trip Mate Policy. Not that it is a bsd policy; just that there are better for less.