Travel/Evacuation Insurance

http://www.nbcnews.com/storyline/ebola-virus-outbreak/evaluating-risk-do-travelers-need-medical-evacuation-insurance-n170976

I have had a policy for about 10 years now, but i have never had to use it in about 30 overseas trips, so i have no idea if its any good.

http://www.ricksteves.com/travel-tips/trip-planning/travel-insurance

For some travelers, insurance is a good deal; for others, it’s not.
What are the chances you’ll need it? How willing are you to take
risks? How much is peace of mind worth to you? Take these
considerations into account, understand your options, and make an
informed decision for your trip.

https://en.m.wikipedia.org/wiki/Insurance

The business model is to collect more in premium and investment income
than is paid out in losses, and to also offer a competitive price
which consumers will accept. Profit can be reduced to a simple
equation: Profit = earned premium + investment income – incurred loss
– underwriting expenses.

For several years we had purchased medical insurance through Insuremytrip.com. Once my husband was hospitalized in France and our Medicare Supplement covered most of it. So, last year we purchased evacuation insurance through Medjet.

"Once my husband was hospitalized in France and our Medicare Supplement covered most of it"

If you're counting on a medicare supplement plan make absolutely sure that it covers you out of the country. Some do, some don't. Either way as far as I know most of them don't cover evacuation/expatriation (except some expensive high-end ones might include this) so you might want to get just this. It all depends on what makes you feel safe and gives you peace of mind. My Medicare supplement only covers emergency room out of country, not hospitalization so I usually get both medical insurance and evacuation insurance. It hasn't been prohibitively expensive when compared to total cost of trip and what I would have to spend on my own if the worst happened.

https://www.medicare.gov/supplement-other-insurance/medigap-and-travel/medigap-and-travel.html

Standard Medigap Plans C, D, F, G, M, and N provide foreign travel
emergency health care coverage when you travel outside the U.S.

Plans E, H, I, and J are no longer for sale, but if you bought one
before June 1, 2010 you may keep it. All of these plans also provide
foreign travel emergency health care coverage when you travel outside
the U.S.

Medigap Plans C, D, E, F, G, H, I, J, M, and N pay 80% of the billed
charges for certain medically necessary emergency care outside the
U.S. after you meet a $250 deductible for the year. These Medigap
policies cover foreign travel emergency care if it begins during the
first 60 days of your trip, and if Medicare doesn't otherwise cover
the care.

Foreign travel emergency coverage with Medigap policies has a lifetime
limit of $50,000.

Insurance sold by United in connection with booking our flight covered some evacuation expenses for a small premium. Counting on Medicare Supplement 'F' coverage for emergency medical.

Besides all of the good ideas you have already received, I would suggest that you go to "Insuremytrip" to get a run down on insurance for overseas travel. We researched there and then have taken out a policy with Travel Guard the last 5 years since I turned 65 and lost the Medicare coverage in Europe. I also include medical evacuation coverage and upgrade to an Umbrella policy that just about doubles all coverages for not that much money. Never had to file a claim - thank goodness. TG also covers pre-existing conditions if you take out a policy with them as soon as you make your first deposit on your trip - either plane tickets, hotel reservations, or tour deposits, etc. The price I pay is a small price to pay for peace of mind while traveling.

I got a short term policy from squaremouth (silly name), which is a consolidator that offers many different options from different providers.

Only you can decide the amount of risk you're willing to take on, and choosing the appropriate policy.