Originally Posted by
MD/DC Flyer
As someone who takes photography tours that involve hiking and being in somewhat remote environments, I've found that the coverage from the Austrian Alpine Club (UK) is very reasonably priced and cover a lot of the medical treatment and evacuation that I might need.
For the membership fee one gets up to 25,000 Euro of rescue costs, repatriation cost with no limit, medical treatment up to 10,000 Euro as well as third party liability up to 3M Euro. All of that for the 52 Pounds (or 40 for Seniors) for a year makes a lot of sense.
https://aacuk.org.uk/p-mountain-rescue-search-insurance
It's interesting to see how people's view of what is let's say 'decent coverage' differs. For example, your 10,000 Euro medical treatment coverage will not get you far in a USA hospital. An average hospital stay is around $2,000 per day and that's without any actual treatment/operations. I would not suggest you plan any hiking holidays in say the Grand Canyon with only that coverage.
https://www.beckershospitalreview.co...50-states.html
If you broke a leg hiking that required surgery, you can then add the cost for that to your daily hospital cost. That might be $15-30k.
Cost of a Broken Leg - Consumer Information
My point is that I think in many cases people look at medical coverage in terms of what they are familiar with at home. To choose medical coverage, you need to look at what it will cost in the place you plan to visit and then make sure your insurance will cover
all costs. Your $12k coverage is a drop in the ocean of possible costs MD/DC Flyer.
How a US based traveller as you are, would think that coverage was enough, amazes me. I as a Canadian travelling in the USA would not do so without medical coverage that included
unlimited emergency coverage. Here is an example and it is not expensive.
https://www.rbcinsurance.com/traveli...gle-trip-e.pdf