Another viewpoint on insurance: We use the Travel Medical Protection insurance from American Express. It costs about $119 a year for both of us (under 65) and covers us for unreimbursed medical expenses when 150 miles from home. It also covers transportation home or to appropriate medical care - up to $50,000 - with a companion if needed. We have used it for small things twice. Once was a dental emergency in Indiana. They found us a dentist who made time to see my husband and was just wonderful. In Colorado, they paid our deductible and the copayment for an emergency room visit. It provides me with great peace of mind.

Happy, healthy travels to all, Janet Riverview, Florida