Harlene's comments about evacuation insurance are right on. We had to use it last year to get my husband out of Kathmandu. And I recommend for price and service the evacuation insurance that goes with membership in Diver's Alert Network. No age limit and effective in the US as well as overseas. Cost us $44 year for basic membership; http://www.diversalertnetwork.org or 1-800-446-2671 We've used this for the past few years; had used TEN before then but more expensive and has a cut off at age 70.

Cheers! Jo, picking strawberries in Sunnyvale!