Our wives are remarkable, aren't they! A few years ago we also decided to take out the medical evac. insurance. We still do and often wonder why we do it. You have answered my question! I wasn't sure I believed them when they said they fly in a private jet to evac. you, but now I know. So glad you made it back and are getting back to normal. I believe you need a trip back sooner than next year. I'd call Club O and tell them to hold on to my luggage and head back before the end of this year to finish what you started. Hey, it's only money and you saved a pile of it by buying the insurance. Go for it!!