Medical coverage structure
Compare the medical maximum, deductible, coinsurance or cost-sharing rules, provider access, payment process and exclusions.
Primary versus secondary wording
If the policy is secondary, a traveler may need to seek payment or a denial from another insurer first. Read the claim procedure.
Evacuation is a separate question
A high medical limit does not automatically tell you how evacuation works. Review transport eligibility and assistance coordination.
Trip cancellation may be limited or absent
If protecting prepaid trip cost matters, verify whether cancellation and interruption are included or whether a different plan is needed.