Klfrodo,
Thanks -- exactly what I wanted to find out...
I too called my company, UHC... and was told they would cover an Emergency; but I lack solid evidence, and the person wasn't 100% convincing.
So, I've checked with Tripinsurancestore and got a quote for their Annual plan; as well as Allianz Travel, and Sqauremouth.
I've never bought extra coverage, but feel for peace of mind, worth it.
Thanks