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Medicine Abroad is Expensive
One visit to a doctor in Europe or the US can cost hundreds of dollars, and a day in the hospital — thousands. Insurance for $10-20 covers expenses for tens of thousands.
This is your protection against bankruptcy in case of appendicitis, fracture, or toothache.
What to Include in Policy
'Active rest': if you plan to ride a moped, ski, dive, or even just trekking. Regular insurance will refuse payment for injury in such situations.
Help with sunburns and allergies (often not included in the base).
Luggage and trip cancellation insurance.
How to Use
In case of an insured event, FIRST call (or write in messenger) the assistance (number in the policy). They will tell you which clinic to go to. If you go to the first one you find yourself — they might not pay.