Good idea, thank you. She’s a graduate student still on our policy that doesn’t kick in overseas. We went about 10 or so years with emergencies helping us meet our high deductible by March (broken wrist, ankle, a few ambulance rides, hospital stays, surgeries - 5 kids, just bad luck), my kids have taken several international trips, but this past week with a couple of car accidents causing 5 figure damages, I’m not feeling lucky.