Tom--You have your terms totally crossway there. Medicare ADVANTAGE versus Medicare SUPPLEMENT plans are two totally different products. Also, it depends on what your definition of "MOST" medical problems is and how much they actually cover. Our supplement policy only pays 80%. 20% of $50,000 is still $10,000. The cost for a REAL travel insurance policy including medical evac is not that much, to me, versus the risk. We paid about $150 I think for our upcoming trip. When we were young, we NEVER bought travel insurance. Now? Sh*t happens when you're old.