First of all my "disclaimer". I am a Licensed Insurance Agent, Sailor (including offshore), travel extensively, and have residences in both the U.S. and Costa Rica
In regards to Travel Medical Insurance there are many significant differences between policies. One needs to answer the following questions in order to determine whether a policy meets your particular needs:
How long will I be out of the country?
Will I be able to renew my policy if needed / wanted?
How are pre-existing conditions covered?
What "adventure" excursions / activities are excluded?
What deductible do I feel comfortable with? (At what point will it cause "pain" to pay?)
What if I have to pay more than one deductible in a particular period of time?
$25,000 for medical evacuation out of the U.S. IS NOT ENOUGH! NOT EVEN CLOSE!
Will they medivac me to the location of my choosing (back home to hospital of choice?) or the medical facility of their choosing? Do you wish to be making medical choices for yourself in a medical facility where your primary language is not the primary language of those treating you?
Will your medical insurance forward the payment for your bill directly to the medical facility? If it is only reimbursable, do you have the funds available in cash / credit cards to cover a major medical bill?
Do you know that Cuba
will not allow a Medical Evac plane to land until your medical bill is paid in full? Wire transfers take a couple / few days...
If you have U.S. for treatment in the U.S., a policy for secondary coverage, for outside the U.S. is less expensive.
For those on Medicare, there is NO Medicare coverage outside the U.S. and its territories. If you have the appropriate Medicare Supplement, you are covered outside the U.S. for 60 days. Unless there is an Agreement with the facility you are in, this will be on a Reimbursement Basis
Fair Winds and Following Seas!