Travel Gaurd every year we insure the entire vacation, hotel, airfare and evacuation to local hospital of choice in USA usually runs about 150 bucks for entire family of 5 covers about 50k in local coverage and mobay hospital will leave you lying on the ground until you show proof of coverage , and they don't take u.s insurance. They do however take this. peace of mind is worth a lot more than this! Have a great trip