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actually surprises me they won't cover travel ...even HMOs cover travel (iirc)

Kaiser does.

We went to England. Our daughter was hospitalized.
Our travel agent had purchased us some "medical travel insurance assistance" that was a big nuisance because he wanted to fax me forms to have me have the doctors fill out. England's medical system doesn't work like that. I wasn't able to get to forms filled out correctly.

We just submitted the bills to Kaiser and they reimbursed us. No problem. No forms needed.

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