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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Foreign medical expenses aren’t that high; even if you break a bone while traveling it’ll cost like €500.  And you don’t need evacuation coverage for 95% of places people actually want to travel.[/quote]

People don't get it for minor things. It's essentially catastrophic insurance - like if you have a heart attack or stroke, are in a major car accident, etc. Those people on that cruise excursion when that volcano unexpectedly erupted near New Zealand were in intensive care for months and couldn't get home. People understand these things are very unlikely to happen which is why the medical-only insurance is so cheap. The part that makes the insurance expensive is the trip interruption/cancellation part. [/quote]

The NZ volcano related treatment costs were covered by the ACC - the Accident Compensation scheme in NZ. That even covered the treatment costs of foreigners. Other countries don't have this system. ACC doesn't cover illnesses though.[/quote]

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