Travel
Schengen-approved, $500k medical, baggage and trip cancellation that triggers.
Schengen visas need 30,000 euros of medical cover and a wording that consulates recognise — our Tata AIG travel plan is on every embassy's list. Beyond visa, the real risk is US medical bills — we recommend $250k minimum for Europe, $500k for the US. Add baggage delay (pays after 12 hours, not loss only), missed connection and personal liability.
For students, one annual multi-trip is cheaper than three singles. Declare pre-existing honestly — we find a plan that covers acute onset rather than hiding it.