I know some citizens of some countries are scared to go to the US without some huge policy. I've traveled to 55 countries, any medical care I've ever needed, I've always just paid out of my own pocket. Most of the time it's way under $100, and usually $50.

I've been to China 8 or 9 times in the last 2 1/2 years, and always found the hotels quite helpful if I needed anything. I guess it really depends in you're staying in a good 4-5* hotel or not.

I've had elective surgery done in Thailand, dental work in Costa Rica, gone to hospitals in Argentina and Indonesia, and have always felt I got as good or better care than I would in the US.

I would never spend that much money on insurance, since I've often seen so many loopholes that means you were just blowing your money. Also, many foreign hospitals won't accept the insurance in the first place. So it's pay out of your own pocket, and then try to get the policy to pay.

Of course, if you need to pay out 2k for all of you for piece of mind, then you'll probably do it not matter what we say.