I always buy travel ins-Travel ex (or something like that) My girlfriend a travel agent for over 25 yr and rec. them- esp after her father suffered a severe stroke in Ochi and had to be medevact to miami..They had to pay out-of-pocket for upfront costs but were quickly (like in week) refunded whatever they paid..They took care of all the phone calls-collaborations,etc..She said it literally saved her fathers life...
I had a bad motorcycle accident out in sheffield Jam-..when i got home was unable to work for month while my knee healed-had to go to physical therapy x3 week..Any out of pocket costs related to that accident -and as long as I had receipts ..were re-imbursed (got a check in under 30 days) that was for all my co-pays for PT, my meds-gave it all to my travel agent and she took care of rest-they were even cool that i dint have a police report from the accident-but did have ifo from seeing the local Dr in Negril.
For me the extra dollars give peace of mind..
Now I have no doubt theres probably some unscrupulous companies out there-