If you travel to developing countries, you know what it is like to stand there at the airport, or to stare at Expedia on each trip and have to decide if you need travel insurance. The best travel insurance that I ever found is offered by American Express, and it has a very low annual premium, $59-269, and the extensive coverage is unheard of, unless you are an executive or with a large company.
It is a real gem. It is well worth the peace of mind. If you are hospitalize for any reason in a developing country, generally you want to be out of there asap. Billed once a year to your Amex account, and you never have to even think about it.
https://www257.americanexpress.com/openhome/osbn/landing/insurance/tr_medicationprotection_faq.jsp
Offered exclusively to American Express Business Cardmembers, this insurance provides coverage for up to $100,000 in unexpected emergency medical or dental treatment expenses you or your employees incur while on a Covered Trip traveling anywhere in the world. And unlike traditional health insurance, this Plan can pay the benefits directly to the provider and carries no deductibles.
As an enrolled Business Cardmember, you get:
* Coverage that is effective as soon as you travel more than 150 miles radius from your Permanent Residence for up to the first 45 days(depending on State of Permanent Residence) of Your Covered Trip
* Coverage for employees, when they enroll with their own American Express®Card
* Up to $100,000 for emergency medical and emergency dental treatment
* Up to $100,000 for an emergency evacuation and Accidental Death or Dismemberment coverage
* Coverage for one visitors round-trip transportation to Your bedside if hospitalized for more than five days
* Doctor, dentist, and translation service referrals worldwide
* Emergency prescription coverage
* No age or health restrictions for coverage
* Can be paid in monthly premiums ranging from $5.50 to $23.00 depending on coverage level and age (monthly premium option only available in certain states)
* Annual premiums range from $59* to $269', depending on coverage level and age
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