The amount of travel insurance you truly need depends on the total prepaid and non-refundable costs of your trip, your destination's local medical care expenses, and the value of your personal luggage and electronics. At a minimum, your policy should cover 100% of your trip deposit and cancellation costs. Furthermore, financial and travel experts strongly recommend securing at least $100,000 to $250,000 in emergency medical evacuation and medical expense coverage, especially when traveling to regions like the United States where unexpected hospitalizations can result in astronomical out-of-pocket bills.
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