Some posters indicate good medical coverage at favorable rates via AMEX purchasing an annual policy before a trip and then canceling upon return. An AMEX employee advised me this morning that annual travel medical insurance coverage is not available but per trip medical insurance is available for $32 per/person/trip (up to 60 days). The medical coverage seems weak in that medical costs are limited to $100,000, same for evacuation assistance. The treating doctor determines whether evacuation to the hospital nearest your residence should be provided. Is this information accurate or?
I have looked into the AMEX insurance, and that seems to be roughly what I remember. What do you base your assessment on? IMO, $100,000 is not "weak"; and I think you find that there is always someone who will determine whether evacuation should be provided. Better the treating doctor than an insurance company functionary. We're intending to purchase this insurance for our upcoming trip.
I've bought this insurance before - did not have to use it. An important issue to be aware of is the coverage of preexisting conditions. Last I checked, you could not have any new symptoms or medications for six weeks before commencement of the travel insurance coverage. I, too, think $100,00 coverage is ample. When I used this before, the policy also stated that they would pay travel expenses for relative or friend to accompany you if necessary if you had to be repatriated.
My husband and I have used AMEX Travel Insurance for eight years now. We have only made two small claims, while in Australia. We were immediately reimbursed. We will use AMEX again this October for a trip to Australia and New Zealand. "Insure My Trip" is good also.