Stan's suggestion of medical evacuation insurance is well worth adherence. I know of local examples of one having it and another not having it. A friend's son was in the New Guinea jungles on an eco tour. He is a hemophiliac. What he was doing in a jungle, heaven only knows. He was injured and developed a bleed. No trip insurance. It cost the family $50,000 to evacuate him home. They had to take a second mortgage on the home. Then there was dad's buddy Leo. He bitched and moaned about his wife paying $75 for trip insurance. He had cardiac problems on the trip, an Alaskan cruise. Was helicoptered to a town and then airlifted to a surgical center. Spent two weeks in a Canadian hospital and was flown home all of the above at the insurer's expense. Gil