I never gave travel insurance much of a thought, but I mostly hang around my own country. However, when my physician was preparing to move from Alaska to Oregon, she and her husband set off on a four-month hiking trip to Asia to mark their new beginning. The very first week of their trip, her husband took a nasty fall off a mountain. He eventually got himself a new hip and some plates to hold some central pieces together, as well as several months of rehab. The entire bill, including helicopter rides to hospitals and first class airfare back to the US was covered. If I ever go abroad, I do believe I'll purchase travel insurance

sounds reasonable.....until you make a claim.

your argument? it's not excluded.
their argument? it's not included.

who wins? depends....who has more high-priced lawyers?
who makes more contributions to congressional campaigns?
who employs more lobbyists? who can afford to wait years?

if this is something important to you, i'd skip the representative (private agent?)
whose job it is to part you with your money, and get a commission in the process.
my opinion, but if an agent tells me "well, they don't say they don't cover it, so
you're prolly covered, don't worry".....run!!!

go directly to the company, get a definitive answer in writing.
don't forget repatriation. medical evac flight can be $50K.
plus another $10K for a nurse.

i've had emergency heart surgery disallowed while traveling...."we don't cover
cosmetic surgery"......"we don't cover experimental procedures"...."we don't
cover you in your home area"...send documents, they pick another excuse from the list.
lather, rinse, repeat. continue until customer gives up....or dies.
fortunately health care in india is low cost....less than 10% the cost in the usa,
and could put it on the credit card.

yes, i'm talking about you world nomads!