Well, it's a catch 22. I don't really know if medjet is great or not. I just would like some finacial guarentee before I would join. I want to be care not to falsely represent them.
As for insurance...Typically your major medical policy pays for medical expenses in life and limb threaten situations abroad. This coverage typicall is for vacations and business trips of 30 days or less. Some policies are limited to 14 days business. If you're travelling to a first world country, your regualar insurance will probably suffice. If you're going for a longer period than 30 days, I personally would be some QUALITY international major medical. These policies come in periods of time from 7 days to several years. They can be written for one country or several countries. The price depends on your age and where you are going, and for how long. Some policies include air ambulance, some do not. Most do not cover you in a war zone or injuries cased by riots or in the commision of a felony. Basically if you are going to certain "hot spot" places, a different kind is in order. Then their are sports/activity requirements. Going to fly a plane in africa? (true FT story) well that requires a special policy. Except, for major medical we sell Canadians just visting the USA (dirt cheap) Quality major medical tends to run between $100-750. Most of the time it seems to run between $100-200 for a typic client of ours. But it is so subjective. Some of our insurers cost more than others. But some will write risks that others won't. A good international major med policy will pay medical costs for anything, cold/flu etc, not just life threatening. Most pay direct, however to answer your question, sometimes you must pay then be reimbursed. A close cousin is another policy... the kidnap and ranson policy. These are very common for U.S. business executives travelling to South and Central america. These polices provide ransom money when you are kidnapped in addition to other benefits. Basically, the field is very confusing and I've seen MANY claims about what companies will do... but most of the time, You get what you pay for. The bottom line for your situation is where are you going and for how long? Remeber the medjet service does not pay hospital expenses, it just transports you. Maybe you need the emergency surgey and can't be transported. It is a very complex issue.