Funny - this is a good thread - everyone seems to be sharing/getting good info - EXCEPT the OP! Hasn't come back in since the original posting almost 2 weeks ago! Maybe they didn't like the answers???!!! Sue's comment re: medivac is valid. In addition to health insurance, I consider it worthwhile to carry a medical evacuation policy. Covers stuff like helicopters and fixed-wing air ambulances. GS has their version - Travel Assist, I believe. My new CoachNet policy now includes such coverage, too, so won't need to carry Travel Assist for the extra $100/year. We often need to use helicopters to move patients here in northern New England, too. ST