trip can / Travel medical / major medical / medical evac

 Travel medical insurance is essential protection for short international trips (typically from a few days up to 180 days), offering coverage for unexpected illnesses, injuries, and medical emergencies while you're abroad—where your domestic health insurance often doesn't apply or provides limited benefits.  

Options include Single or Multi Trip *GROUPS of 5+ enter here*

 Expat health insurance (aka long-term international health insurance) provides comprehensive, ongoing medical coverage for individuals and families living and working abroad for extended periods—typically 12 months or longer, often renewable year after year. These policies are designed for residents outside their home country (including Yacht owners/ crew), offering broader benefits like routine care, preventive services, outpatient treatment, etc.

Trip cancellation insurance is designed to protect your prepaid, non-refundable trip costs (such as flights, hotels, tours, cruises, rental cars, and excursions) if you must cancel your trip before departure due to a covered, unforeseen, and uncontrollable event.  This coverage is a pre-departure benefit—it applies from the day after purchase until your scheduled departure date (after which trip interruption usually takes over for mid-trip issues).

 Emergency medical evacuation plans, like those offered by Medjet Assist, provide specialized membership-based protection focused on air-medical transport and repatriation in the event of a serious illness or injury while traveling—often complementing (but not replacing) standard travel insurance.

Unlike typical travel insurance, which usually evacuates you only to the nearest appropriate medical facility (and may cap limits or require medical necessity), Medjet-style plans emphasize hospital-of-your-choice transfers: arranging and paying for bedside-to-bedside air ambulance or commercial medical escort transport back to a hospital near home (or in your home country) for continued care, even if not deemed "medically necessary" by insurers.

Traveling to high-risk destinations—those with elevated threats of terrorism, such as certain areas in the Middle East, parts of Africa, South Asia, or regions under government travel advisories... 

(e.g., U.S. State Department Level 3 "Reconsider Travel" or Level 4 "Do Not Travel" due to terrorism)—carries unique financial and health risks that standard travel insurance often excludes or severely limits.

Terrorism benefits in travel & AD&D Life insurance (particularly in comprehensive travel medical, trip cancellation/interruption, and evacuation policies) are essential for these reasons: