Global Alert! Preferred plan is a good value but the coverage is secondary to any other policies you may have. For trip cancellation or interruption it is fine but the claim process I went through last year when I did have a claim was excessive. They even required a copy of my credit card statement as proof that I had purchased the policy even when I had gone through InsureMyTrip to purchase it! Medical coverage for the USA and Canada would have easily been covered by my own medical insurance policy as primary but not in other countries. Therefore, I would recommend purchasing a primary travel insurance policy to cover even clinic or outpatient visits in Europe, Africa, Asia or the like. Most foreign clinics and hospitals will require payment in cash for services so at least a quick cash advance should be provided in a travel insurance policy. Will not likely use Global Alert! Preferred again due to the limitation in primary coverage for foreign travel.

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