My 19 yr old son is taking a trip to Israel for 10 days and needs travel insurance. Since I don't have a spare $50,000 to $100,000 laying around in case something terrible happens, I need a policy that pays the provider(s) up front a.s.a.p. Do such policies exist? Can anyone please recommend some? I don't really care about lost luggage coverage. I'm mainly interested in emergency medical coverage.